January 27th, 2018 at 02:52 am
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January 19th, 2018 at 01:30 am
Well, it is nice to have access to the interwebs again. My phone battery died and I had to wait for an Amazon package. No one sells phone batteries for my phone, not even a Verizon store.
We are so busy at work, I worked OT last Saturday and Monday (paid holiday), and am scheduled to work OT this coming Saturday too. I am liking my job so much more now that I have a full workload. The extra money will be nice, too.
On February 9th, all of the employees in my particular labor union are receiving a one-time $2,400 bonus. This is in lieu of any pay increase under our new contract.
I have paid for my HVAC unit, and now have the task of re-building savings before me.
In a couple of weeks, SB and I will be attending a murder mysyery dinner hosted by some friends of ours. We are required to dress like pirates. I was able to find a purplish-blue scarf, some black ankle boots, and a gawdy gold necklace at Goodwill, spending $8.20 for all of that booty. Now I am on a quest for a puffy shirt. It should be a fun evening.
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January 3rd, 2018 at 08:31 pm
My mortgage payment has posted. This month I paid an additional $23.56. My new balance is $159,050.00.
Chips to date: $2,244.36
Interest savings this month: $8.72
Interest savings to date: $323.92
Eventually, the interest savings on the chips I have already made will compound to $4,715.29, provided I own this house until July 1, 2042. Which I definitely won't.
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January 2nd, 2018 at 08:10 pm
In past years, I have used one large sinking fund nicknamed "CurveBall" for all irregular expenses. I have wondered if multiple dedicated sinking funds might work better for me. I decided to give them a try in 2018.
So, I played around with categories which would be useful for me and appropriate monthly deposit amounts. Since September, I have been making deposits each month. Starting now, I will use them as expenses arise and need to be paid.
Here is what I am depositing monthly:
Car Ins & Reg - $100
Car Repairs & Maint - $75
Clothing - $40
Electronic Gadgets - $30
Gifts & Xmas - $70
Planners & Goodies - $15
Travel/Vacation - $200
Additionally, I opened (with $1) sinking funds for car replacement and my Roth IRA. I expect to utilize them in the near future, so went ahead and opened them while I was merrily opening new accounts.
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