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Archive for September, 2015

Car Payment #10

September 24th, 2015 at 02:26 am

My tenth scheduled car payment has posted. I have not updated my spreadsheet as there is no point.

This month extra principal payments included $180 from my part-time job and $.58 from credit card rewards. Not much of a haul on those reward redemptions this month, but next month should be more fruitful.

Sixteen payments have now been eliminated from the end, leaving 46 payments to go.

I just returned home from Reno a few hours ago. BF and I went for a few days just to get away and to scope out various neighborhoods. We stayed at Harrah's as I was able to book a room for $36.84 per night through It was fun and relaxing, but I am glad to be home. I won't be going back to work until Monday, so I'm just going to get some things done around the house.

Another Offer On BF's House

September 8th, 2015 at 08:38 pm

BF received an offer yesterday, but has not entered into a contract. The offer did not include a pre-qualification letter, and that is a MUST before going any further.

The offer was for 945k and the buyer wants ALL of the furnishings in the house. Not all of the furnishings belong to BF, so he is checking to see how much the true owners would accept to sell. The dining room set is from an actual consignment store, but the other pieces and several decorative items belong to BF's realtor, who had no intention of selling them, she placed them strictly for staging. BF asked if I was against selling his furniture; in truth, I don't care. If it makes the buyer happy, whatever.

This offer is lower than the previous two offers, but BF has gotten himself into quite a pickle and is in no position to pass up any reasonable offer.

So, fingers crossed that this deal will go through. This entire process has been so unbelievably stressful for me, I just want it to be over.

Mortgage Chips To Date

September 3rd, 2015 at 04:07 pm

I have made my scheduled mortgage payment, along with an extra $5.01. My new balance is $168,250.00.

Chips to date: $1,758.58

Interest savings this month: $6.37

Interest savings to date: $106.50

Eventually, the interest savings on the chips I have already made will compound to $3,820.28, provided I own this house until the mortgage is paid in full. Which I won't. Stick Out Tongue

I did not update my "My Mortgage Amortization" page, since the pics won't upload anyway.

Net Worth 8-31-15

September 1st, 2015 at 07:05 pm

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

Cash Accounts 9,767.42
Roth IRA 26,852.48
Traditional IRAs 184,453.13
House 232,000.00
Car 12,800.00
Total Assets 465,873.03

Mortgage 168,550.00
Car Loan 11,076.32
Total Liabilities 179,626.32

Net Worth 286,246.71