Archive for May, 2014
Chips, New PITI, BF's House UpdateMay 8th, 2014 at 04:29 pm
Redeemed another $19.12 in credit card rewards this morning from Capital One Quicksilver, and sent that off to my mortgage.
I did apply for that Wells Fargo Amex, but my application status is "pending". If I am approved, that will be a sweet mortgage chip.
Since my PITI payment changes as of June 1, I changed my automatic payment. I increased it from $1130 to $1135, so with the TI decrease, there will be an additional $54.36 going to principal each month.
I received $160 from my part-time job yesterday, and have sent that off to E Fund. E Fund is pushing 7k now, and will go over when my automatic deposit of $100 hits later this month.
Last weekend, a pool repair guy fixed the heat pump on BF's hot tub. On Saturday night, I got to enjoy a nice soak. It was the first time I had ever been in that hot tub, after nearly 5 years of dating! It was so lovely. I did not want to get out!
Three weeks ago, the plumber got the bathtub in the master bath all connected. That bathtub is a big L, built for two. So, I have enjoyed a few nice long soaks in the bathtub as well. There is a floor to ceiling window next to the bathtub, and outside is a nice walled garden. It is a bathtub fit for a Calgon commercial! I have been salivating over that bathtub since I first saw it, lol.
The kitchen was completely gutted the week before last, so the new stuff should have been going in this week. I guess I will see in a few days.
I am about to lend BF a little more money. His HOA dues are very delinquent, to the point foreclosure is a possibility. Hopefully, it will only be a few months until the house sale closes. He will be out from under that expensive house which he cannot afford, and I will get all of my money back.
Here is a pic I took last weekend of the pool room. The sliding glass doors on the right separate the pool room from the master bedroom. The sliding glass doors on the end lead to the back yard. The living room and kitchen also have large sliding glass doors to the pool room, so that the pool room can be viewed throughout the house. In the left foreground, you can see the top of the wall separating the pool from the hot tub. Further left out of view, are more sliding glass doors leading out to the patio. In the right foreground, you can see the bar. It is a horseshoe shape, with one side extending into the pool, complete with underwater barstools. The other side extends into a small pit, you walk down stairs into the pit and sit at the counter. The bartender then has access to both sides, so s/he can serve swimmers and non-swimmers alike. You cannot see the guest suite, complete with balcony, which is upstairs so overhead where I stood when I snapped this picture. What a house! So soothing and relaxing, and great for throwing parties.
Edit: And those rocks in the rear left there are a waterfall. The water was not on when I snapped this pic.
Mortgage Chips To DateMay 5th, 2014 at 03:48 pm
I made some good progress in April, between credit card rewards and my impount account refund.
My mortgage payment has posted, bringing the balance down to $173,533.09.
Chips this month:
CC rewards $190.23
impound refund $146.72
budgeted extra $18.62
wallet sweep $4.00
Total chips this month: $359.57
Chips to date: $1,065.56
Interest savings this month: $3.64
Interest savings to date: $17.54
Eventually, the interest savings on the chips I have already made will compound to $2,371.66, provided I own this house until the mortgage is paid in full.