Yesterday I received $160 from my part-time job, which has gone off to E Fund. Inching ever closer to 2 months of take home pay.
My NFL rewards Visa statement closed yesterday. I had 10,550 rewards points available which I redeemed for a statement credit.
So, I had $1,408.15 sitting in checking with nothing due for the rest of the month. But, I have things going on. Namely, my new 6 month auto insurance premium (will be cancelling the old one with 3 months left, but still, that is 3 months out of pocket now), my new homeowner's insurance premium (will have to wait for refund from current company), the new vacuum cleaner I charged, the $75 gas cards charged at Staples (it will take up to 8 weeks to receive my $25 credit), and I am getting a 100k tune-up on the car today, which will be about $500. I don't have to cough up any of this money now, but it is only a matter of time.
Here is what I did:
$445.54 to NFL rewards Visa (balance less $105.50)
_280.44 to WF rewards Visa
__75.00 to American Express
___7.17 to CurveBall Fund
This left $600.00 in checking, so I am done.
Neither the WF nor AmEx statements have even closed yet, so the payments were VERY early.
Notice, I have ended up using my NFL rewards Visa sign-up bonus towards expenses instead of as a mortgage chip. I'm not thrilled about this, but keeping credit card debt out of my life is a higher priority.
Also, I have not sent much extra to CurveBall. But hopefully, I am making it possible to avoid dipping in next month.
I felt a bit of panic when CurveBall dipped down to $54 two months ago; it's offering more cushion now.
Viewing the 'Budgeting' Category
Yesterday I received $160 from my part-time job, which has gone off to E Fund. Inching ever closer to 2 months of take home pay.
Well, I am still waiting for a State Farm agent to contact me "shortly". So this morning, I called my current homeowner's insurance agent. She is an Allstate agent, but my policy is with another company which they also write. I told the office I had a better quote but wanted to give them a chance to keep me. They quoted me $575 for the same coverage I have now ($912), just with yet another company. This is $120 lower than the State Farm quote! I said yes, the price works for me.
Meanwhile, my mortgage servicer disbursed $912 on 11/6 to pay the premium on my current policy. I am proceeding anyway. It just means more hoops. I will have to pay the new policy, then wait for my current policy to refund $912 to my impound account, then ask to be personally refunded the $575 . For $337, I feel it is worth the hassle.
I will instruct them to keep the $337 in my impound account as I know my property taxes are about to take a big jump. In addition to the infamous Prop 13 here in California, we also have Prop 8. Prop 8 says when property values fall, property tax assessments must fall too. But when values rise, they can jump up fast to where they would have been had values not fallen.
In the last few days, I have seen some listings and sales in my subdivision which make me feel very confident my property value has risen sharply in the last 6 months. While this is good news, it means my property tax bill is also going up.
I am home from my week long trek. We had a very nice time, seeing the sights and visiting family. I think my favorite part was the elephant seals lying on the beach near San Simeon. I have wanted to see them for a very long time, and finally had the chance.
I managed to scrape together an additional $81.23 for mortgage principal last month. Not bad.
I overspent $1617 for the month. My security cameras were $1590, so I am not displeased with my spending for the month. I also paid $330 to have all of the embroidering done on J's letterman jacket. If not for that, I would have come in under budget. But, it is always something, right?
Just after the 1st, my daughter paid $300 towards household expenses, which is what we have agreed. Yesterday, I received a check in the mail for $200 from my part-time job. With this recent infusion of $500, I was able to pay Visa for my security cameras without dipping into Vacation Fund. CurveBall is impoverished once again. But, everything is paid in full.
Oh, and utilities are so low because last month I ended up paying my water, sewer, garbage bill twice. So this month, I only owed $3.89.
I received $6 from PineCone and have already applied it to my mortgage. I find it so handy to have my mortgage and checking account at the same bank.
Also, I have decided to bump my mortgage payment up by $10 each month. I have already changed my automatic transfer.
Not as exciting as the snowflakes some of you have been accumulating lately, but I am happy to collect whatever flakes the wind blows my way.
I decided not to file the restraining order. This decision upset my mother, and I think she may rescind her offer to pay for the security cameras. If so, that is how it goes. I love her just the same.
"Everything Else" in July included 6 mo car insurance premium ($532), annual car registration ($130), smog certificate and oil change ($91) and J's letterman jacket ($182).
From the "Ad Choices" links along the top of the screen here on Saving Advice, I stumbled upon a free software download for "MoneyLine". I am going to give it a try for August and see how it goes.
Well, I am the happy recipient of a raise. Starting today, I am bringing home an additional $119 per month. What to do with it?
Well, my life insurance policy is increasing from $14 to $28 per month this month. I guess the insurance company knew about this raise before I did.
Last week, post-cruise, I stood on the scale. This made me very sad. So, I joined a gym. This particular gym is new to me. The monthly fee is $20. In addition, they have an annual fee each June which is $29. For this price, I can bring a guest with me each time I go at no additional charge. It can be the same guest each time or a wide array of different guests.
I bumped up my monthly Emergency Fund contribution from $60 to $118. I bumped up my monthly Vacation Fund contribution from $60 to $75. And finally, I bumped up "Everything Else" from $363 to $375. And just like that, my raise is spent.
I considered then rejected the idea of increasing my retirement account contributions. Between my regular monthly contributions, the additional contributions I make at bonus time, and my employer contributions, I am saving 15% of my gross. I feel that is adequate, so I should focus instead on my cash savings, which I feel are inadequate.
I also considered bumping up my mortgage payment, but rejected that idea also in favor of more cash.
As today was payday, I did a wallet sweep and sent $10 off to E fund.
Hausernet sent me a $.50 payment for February, so I sent that off to E fund as well.
J went to camp last week, I picked him up this past Saturday. The director made a point of telling me what a great kid he is, and that if cares to apply, he can have a spot as a counselor next year. That would mean he would go to camp for free. So, I am all done shelling out for summer camp. Yay!
I worked last Thursday and Friday at my part-time job, and collected my $200 check for June. That has already gone off to E fund. I am done with them for July and will bill another 7 hours. So far, this is working out just fine.
So, this is how I did in May:
The overage in Everything Else is from my pergola cover, the second installment of J's camp, and a donation to the American Red Cross.
Groceries continue to be a challenge. My daughter and son-in-law arrived yesterday, and will be here until mid July. I expect groceries to continue to be a challenge. I know I can do better. And I'm just going to have to start.
Apparently, I now have a part-time job. However, I am still not entirely certain. On Monday, the woman who called to ask me if I was interested called again to ask when I am meeting with "M" (person who has been issuing their financial statements) to discuss where he is leaving off. Mind you, I have never heard from M. I told her I have no meeting arranged with M. She replied in a confused tone "But, he hired you." I laughed and said "Oh, I did not know that." She laughed too. This sort of thing is very typical for this particular unorganized organization.
I am expecting to clear 4k on Monday from my bonus and over-time. I have it earmarked like this:
400 E Fund
400 Vacation Fund
300 J's Annual Allowance
Now, if you take a peek to the left at my sidebar, you will notice CurveBall is sitting at just over $1200. However, I still need to pull out $600 for the vet bill charged to Visa, and $370 for the IRS. So while CurveBall is not anemic, it is also not so very flush. When the dust settles, it won't be a great deal larger than it is right now.
J's summer camp is coming up. The cost is $500. Last year, ex-h agreed to split it with me. However, I have not seen one red cent of his half. So, there is no point in pretending he will split it with me this year. He won't. If J goes, I will have to pay.
I think going away to summer camp is an important developmental experience for a teen or tween. But J has already been 3 times. So, he has had that experience.
He loves the camp. At his age, he is in a junior leadership role.
I have told J frankly that while I do have the money, I feel I may need the money for other things. I do discuss money and budgeting with J, and we talk about how you must cover your needs first, then you can think about things you just want with what is left over. We also talk about how some needs aren't a regular bill like the electric bill, but are things which come up from time to time, and so you need to plan ahead to cover them.
J was disappointed, but said "I understand, Mom". Then he mentioned his money (he has about $1400 in a mutual fund, about $300 in his savings account, plus his allowance is coming up). I said no, I didn't want him using his money for camp. Then he asked if he got a part-time job when school is over, did I think he would be able to earn enough in time to go to camp. I said maybe you could, see if you can find a job. So he plans to try.
Now, I think it would be great for him to have a part-time job. And I really am proud of his attitude. He is disappointed, but not sulky. He rarely asks for anything and he rarely complains. He really is a great kid.
I want to send him, but I am not sure I should part with the money. I could skip the Vacation Fund infusion. It takes me so long to save for a vacation that I am loathe to pass up this annual opportunity to give it a nice little boost.
He doesn't know I am still considering, as far as he knows, the matter is closed.
In other news, my trad IRA broke 130k today for the very first time.
Months like this one show me, I still have so far to go. Way too much spending in "everything else". Of course, $600 was my HVAC repair. But even excluding that, it was too much. Where did it go? Mostly eating out (for convenience), which was totally unneccessary as we have plenty of groceries at home. J did get some new clothes (2 jeans, 4 tshirts), his first this entire school year. He got a new speedo for swim team. I bought him some things at Party City for spirit week. Face paint and green hair spray to be the joker. A red bandana with attached fake dredlocks for pirate day. (I figured that one will be great in the future for International Talk Like A Pirate Day, Halloween, and the occasional FSM event. Not so much for me, but for J or even BF.) I blame no one but myself.
I don't regret the J expenses at all, but because of those expenses, there shouldn't have been ANY meals out. To me, that is the point of having a discretionary category like "everything else".
Well, nothing to do but begin anew in February.
I have received my electric bill for February, and after I pay it I will have a credit balance of $504.51. February is the month they recalculate my "balanced bill pay" amount, and March is the first month I pay the new amount. I am expecting my monthly bill to drop at least $50. I will be able to trim a bit from my budget for utilities. I intend to add that amount to my automatic CurveBall transfer.
I am still waiting to receive payment from Second Spin. Looking forward to adding that to E Fund.
My wallet sweep last payday netted me $1 for E Fund. Just $1. I guess really, anything at all is a bonus because it is the unspent portion of my cash allowance. Nonetheless, I like to do a little better than that!
Tomorrow I will work a full day and bank some more OT hours. I'm looking forward to the work tomorrow, too. A client with 3 LLCs and some personally owned rental properties. I don't do her tax returns, but I get to do her accounting for the year. For some reason, I always look forward to doing her books. If I finish with her stuff before I have put in 8 hours, I have plenty of other work to choose from.
So here is how my month went.
I came in under budget on groceries, gasoline, and utilities. I "overspent" on savings and credit card debt.
"Everything Else" this month included $400 for my new fence, $31 for my new sheets, $80 for J's birthday gift, $73 dining out, and $50 to the American Red Cross.
So I am pleased with how I did. Having a nice low Visa bill was awesome! It will be low next month as well, so I should be able to "overspend" on savings again. And, fingers crossed, hopefully next month I will be able to kill my credit card debt. Our Christmas dinner is on Dec. 8th, so then I will know.
ETA: And I nearly forgot! As today was payday, I did a wallet sweep and sent off $11.00 to E fund.
...and I am doing OK with the old budget.
I did send a bit extra off to Citi MC, an extra $30.20 to be exact. This whittled the balance down to $1,400.00.
I estimated my 2012 income tax returns, and it looks as though I will net about $500. So, I did OK with my tax planning too.
I stopped at the grocery store tonight and whipped out my AmEx card for the very first time. I learned that they don't take AmEx! This particular grocery store is conveniently located, just a few subdivision blocks away. It has low prices. I do most of my grocery shopping there. So, I don't know if I will apply for that Preferred Blue AmEx card or not, the one Monkey Mama mentioned (and I think I read that CeeJay has that one, too) which gives 6% back on groceries but charges a $75 annual fee. I am going to try using the one I have (Blue) for a few months and see how much I can use an AmEx without changing my shopping habits.
I have been working on switching automatic payments to my WF Home Rebate Visa. If something falls into the "and 1% on everything else" category, I prefer to earn a principal reduction to my mortgage.
I have also been working on getting payees set up on bill pay, for those vendors who will not accept a credit card as payment, or who do but charge a fee.
I'm looking forward to whittling down the number of open credit cards I have. I want to get down to just AmEx, Chase Freedom, and WF Home Rebate Visa. I will keep my Kohl's store card open too, but that is the only store card for which I have any use. I think I am only one month away from being able to make that happen.
Thursday was payday. I had $28 in bills plus a full coin purse left from my allowance. I deposited $25 and sent it off to E Fund.
I paid all of the bills I have received, subtracted my automatic payments (life insurance and Roth IRA) and sent $420 to Curveball. As always, I am still waiting to receive my Citi MC statement. I had too much left in checking! I love it when I have that problem. To solve it, I sent an extra $216.17 off to CurveBall. I may send a bit extra to Citi MC too, but will have to buy groceries before I decide on that.
CurveBall's balance didn't advance too much as I pulled out money for my new fence. The new fence is in and looks great. My cost ended up being $400, not $350 as I posted earlier. I had forgotten that I have an extra section of fence which I do not share with the neighbor. The neighbor called and said he had not counted that part, but said they would go ahead and replace that too while they were at it for an extra $50. I agreed as I felt that was fair.
So far this month, I am doing fine on my budget.
I did not make my budgeted savings contribution, using the money to cover October's Visa bill.
I'm quite pleased with how my spending went. In November, my Visa bill is going to be less than $300. I will have no trouble whatsoever with paying it in full and making my budgeted savings deposit.
My utilites were under $500! I now have credit balances on both my PG & E (gas) and MID (electric) accounts. PG & E just adjusted my balanced bill pay amount from $62 to $43. November will be the first month I pay $43. I have received my MID bill for November too, and my balanced bill pay has not adjusted yet. I currently have a credit balance of $100 odd dollars and I must pay another $238. Since we are going into winter when the bill is much lower I've been expecting it to adjust down. My Ting bill was $35.27 in October. I am loving Ting.
I ended the pay period with $16 plus coins in my wallet. I withdrew my cash allowance of $60 for the next pay period, then sent $20 off to E Fund.
I am paid by the hour, kind of. I am paid for 8 hours per day. I am not paid extra when I work more than 8 hours (except during tax season), and I am not docked when I work less than 8 hours (including our half-day Fridays all summer long.)
Most pay periods are for 11 work days. There is the occasional 12 day (hoorah!) and 10 day (boo!) pay period.
I budget based on 11 day pay periods. So if there is extra pay or less pay, it impacts my checking account cushion, but not my budget.
I have recently enjoyed a 12 day paycheck. However, I am about to experience three 10 day paychecks, in a row. This is unprecedented in my little world. And more to the point, this shortfall is going to have to come from somewhere.
I have just received my Visa bill, ridiculously large this month (car insurance, emergency vet bill, and new lap top in addition to regular charges). I had been thinking I would pull from CurveBall to cover it. Along with my budgeted $420 CurveBall deposit in September plus the $400 + utilities I would normally pay that would just about cover it. But wait, this assumes I receive the income I have budgeted, and I am not going to receive the full amount of income.
Bleah! I do not want to transfer a single additional cent to Citi MC, but this is what I am facing.
So it's going OK without Mint. I am finding Wells Fargo's budgeting tool to be less than ideal. It has preset categories, and you cannot edit them or add new ones. You cannot split a single transaction into more than one category. And you cannot import any transactions from any account which is not a Wells Fargo account. So I'm not going to be using it. Instead, I just used Excel and entered all of my cleared transactions into my spreadsheet (I summed them in the column to the right of what you see here). I had to do this for both my checking account and my Chase Freedom Visa.
I changed my "Visa Allowance/Everything Else" combo to "Gasoline/Everything Else". They still total $600.
August was so ugly. "Everything Else" includes $623 for the emergency vet bill, $558 for my car insurance, $406 for my new laptop, $110 for J's yearbook, student ID card, & gym clothes, $71 to file my small claims suit and have the defendent served, and $47 in medical copays.
I am starting September with an almost full tank of gas.
My office was closed yesterday too, so I am enjoying a nice 4 day weekend.
Yesterday I went to get my eyebrows done. It had been 2 months and it was time. I have a girlfriend who has 2 small children and we just don't get together like we used to before she had children. We go together to be threaded and use the time to catch up. She reminded me that the last time we went, she didn't have any cash and so I paid for both of us. I had forgotten that. So, she paid for me yesterday. So far, my cash allowance which must last until next payday 9/14 is still untouched.
On Friday, my paycheck was for 12 days. I was pleased, until I looked at the calendar and saw both of my next paychecks will be for 10 days.
Also on Friday, I did a wallet sweep and added $15 to Mini E-Fund.
My daughter texted me yesterday saying money will be tight this month, so was it OK if she repaid me another $120 instead of the remaining $240. I agreed. That will go into Mini E-Fund and then it will be back to $500. I believe I will begin adding my small deposits to E Fund.
Tuesday is my daughter's 22nd birthday. I will be taking her out to lunch on Monday to a mid-Eastern restaurant. They serve the most delicious sun-dried tomato hummus, as well as a chicken dish made with saffron and grilled veggies. That is what I will be having.
And it was a welcome surprise, too. It is not a large raise, it equates to an additional $60 per month in take home pay. It is going into savings.
In other good news, I was able to buy my replacement car remote battery for $1.38. Thanks, Lucky Robin! That was a great tip.
I have been thinking about my circumstances, and I have decided to make no mortgage chips whatsoever at this time. Instead, I will focus on increasing my cash accounts and my Roth. Now, paying my mortgage online makes it difficult to resist rounding up a bit. To avoid this temptation, I set up an automatic transfer for my mortgage payments. They will be paid on the 5th of each month, without a single extra cent.
So here is my budget for August and going forward:
Utilities are over again. I expected this as the charge for my early termination fee posted. I expect it next month too, because this month I switched from AT & T internet to Comcast internet, and they will bill me $120 for a modem. Why would I do this? Well, even though I am paying $48 some months and $58 other months for high-speed internet, that isn't what the test says. The test says I am getting less than 1 mbps. Less than 1! No, thanks. My new Comcast internet is much faster (haven't tested it, but it is a noticeable difference) and I will be paying $33 per month, but plus taxes I think. So I will save the cost of the modem in 6 or 8 months, and then be ahead. And much better service all the while.
Still need to improve on groceries, or admit that I can't and budget accordingly.
Everything else this month is just 2 items, my car registration ($138) and my garage door repair ($168). I needed a new spring. I could have replaced only the broken spring for $116, but it seemed smarter to replace its twin at the same time. I went over, but I did not pull from CurveBall to cover either of these.
I emailed Wells Fargo's customer service yesterday about my escrow account, asking for an analysis. I received a reply today that there is $854.09 too much in there and I will be receiving a check in a week or two. When that comes, I will go ahead and send it on to my Chase Freedom Visa. So it looks like no further balance transfer checks nor dips into CurveBall will be necessary. Yay! Now I have to tackle that Citi MC.
I did my secret shop this morning, and have another one scheduled tonight. The one tonight pays $10 plus reimburses me if I have to buy the product. (I may not need to, that is the point of this particular shop. They want to know if the store is selling popular items before the actual release date.)
My garage door has decided to stop opening. I suspect it needs a new spring. I have scheduled a repair person for Friday afternoon.
I have a situation in my hall bathroom. Someone installed the tub/shower combo incorrectly, and water was leaking into the wall. The gap has now been sealed, but I am suspicious about what may be lurking in the wall. I am going to have someone who knows what they are doing come and take a look. I hope there is no expensive repair required, but if there is, then there is. I don't think it is wise to put off a repair of that sort if it is warranted. I'm not sure how I will fund it, but first I need to find out if there is damage or not.
The battery in my car key remote has died. I have had my car 7 years now, so that is reasonable I suppose. I can lock the car just fine by, gasp, inserting the key and turning my wrist. However, I can't set the alarm. I'm not certain how much that will set me back.
So now you know everything.
On Friday, I did not leave work until 4pm, even though we closed at noon. I continue to fight an uphill battle trying to keep everything caught up.
Friday was payday, so I did a wallet sweep. I had $9 in bills plus coins to deposit, but the line was so long I just deposited the bills at the ATM and saved the coins for another time. This wallet sweep went to Mini E-Fund.
My paycheck was for only 10 days for the second time in a row! The next one will be for 12, but I still lose one day on the deal. My net pay went down exactly $20 as I expected, due to bumping up my Simple IRA contribution by $25.
Yesterday I drove up to camp to pick up J. The camp is located a bit more than 3 hours away. It was his third year and he had another fabulous time. By the time he shows me around and I chat with counselors, a few hours slip by. So picking him up is an all day event.
Today I sat down to pay bills and make transfers. It felt great to transfer $359 to CurveBall. It did not feel so great to write a big check to Chase Freedom. I paid most of the balance, but wrote a balance transfer check from Citi MC for $433. They are no longer offering me 0%, but did offer me 1.99%. I could have looked for another 0% offer from someone else, but I don't want to have a balance here, there, and everywhere. I also have to pay a 3% balance transfer fee. Mathematically, it would have made more sense to skip the CurveBall transfer and just squeeze out another $433. However, my savings is already below my comfort zone, so I didn't do that.
When I get my August statement, I will be facing the same choice. Not all of my vacation charges had posted before the statement cut off and I do not pay charges which are not yet on the statement.
My car insurance is due 8/5. I will charge it just before it is due, then that charge will show up on September's statement. Car insurance money will be coming from CurveBall.
I also received my last AT & T wireless bill! I was expecting it to be for $114, early termination fee on J's contract. It was for $122, which was a $110 early termination fee plus $12 in "taxes". It will automatically bill my credit card at the end of the month, and that is it, all done.
My car registration was due this month to the tune of $138. I did not pull from CurveBall for this, it fits neatly inside "Everything Else". I just have to watch my Everything Else spending this month, since there isn't much left.
So lots of money out. What about money in?
When my new mortgage closed, I expected a new escrow account would fund and my old escrow account would be returned to me. Instead, the new escrow money went into the old escrow account. A few days after closing, they transferred my old escrow account into my new one. It now has way too much money. I expect they will refund about 1k.
No payment from daughter and son-in-law yet.
Ex-h will reimburse half of J's camp ($242.50) at some point.
I need to decide if I am going to pursue recovering half of the cost of my new fence ($630) from my neighbor or not. Even though by law she should share the cost, I know it will make her angry and she will likely try to cause more problems. I'm not sure it is worth it.
I signed up for a secret shop this morning. I don't do them often but this one is for a business just 2 blocks from my office. It is a fast food restaurant. I will have to spend my own money, but will be reimbursed plus paid $5. It is an easy shop.
I should spend the rest of my day doing chores around the house. We'll see if that happens or not.
Well, it's not my best month, but here it is:
Wages - Had a 10 day pay period.
Utilities - This includes the cost of J's and my new Ting cell phones. It also includes a month of Ting's service on top of a month of AT & T's service. With AT & T, you pay after you have received service. With Ting, you pay before. I am still expecting an early termination fee of $114, but I haven't been billed for that yet.
Groceries - Not as great as it seems, since we were gone for the last week. We purchased groceries on vacation too, but I threw that in with other vacation expenses.
Visa allowance - I picked up a few clothing items for J and for myself. I did not count these under vacation.
Everything Else - Wowza. This includes $485 for J's summer camp, $101 for the dentist, an oil change, and $3745 on vacation. This number includes the $800 cash I withdrew from Vacation Fund before we left.
The biggest single expense in there was a decision I made after arriving. One of the main things J and I really wanted to do was to go on a Lost tour. We are fans of the show, it was filmed mostly on Oahu, and you can take a tour of many of their shoot sites. Well, since we arrived in Oahu around noon on one day, planned to see Pearl Harbor the next, and were flying on to the big island at noon on the third day, there just wasn't going to be time. This was a huge mistake on my part, I should have had the agent book us one more day on Oahu and one day less on the big island to start with. But, I didn't. So on the day we arrived, I made the decision to change our accommodations and take the 8 hour Lost tour. Between the tour, changing air tickets, and paying for another night at the hotel at the regular rate (the package rate didn't apply), it was expensive. I regret the extra expense I caused myself by not planning better, but I don't regret that tour; it was fabulous. I think I would have really regretted going to Hawaii and not taking that tour.
The second biggest expense in there was scuba diving. My cousin's family was going, and J really wanted to do it too. I was a little hesitant for him to go, so I asked BF to go along and I treated him. That was only right as BF had not planned to scuba dive. I felt reassured to know BF would be J's diving partner and would be keeping a close eye on him. There are instructors diving too, of course, who also monitor everyone. So the scuba diving for two set me back $500.
Even though some of my vacation spending did not post until July, I have included it all in June. I thought it made sense to have it grouped together.
So, there you have it.
I activated the two phones I purchased new from Ting this evening. UPS says my package is arriving tomorrow. So assuming the seller didn't just send me a box of rocks, I should be able to activate that one tomorrow. My new monthly cell bill will be $41 plus taxes. Buh-bye, AT & T!
Here is my new monthly budget starting in July (except that in July I will pay off Citi MC and pay for Ting phones and breaking contract with AT & T, since no mortgage payment is due).
Isn't this a nice change? Look at that new monthly deposit to savings number! This is much, MUCH better.
*smaller take home pay, since I will be bumping up my Simple IRA contributions by $50 per month. I estimate this will cost me $40 in take home pay.
*new lower mortgage payment
*new lower utilities budget, which I totally think I can do!
*gym membership is gone for now. I am walking the trail near my house and using Wii Fit instead.
*monthly Roth contribution is going up.
I am so tickled about these changes. I am looking forward to updating my sidebar under "Debts". That's how you know for certain that I am a nerd.
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