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Archive for December, 2019

Favorite You Tube Channels?

December 30th, 2019 at 01:40 am

One of our main sources of entertainment is watching YouTube. I watch financial channels, full time RVing channels, and OK a crochet video every now and then.

A few weeks ago, I stumbled on to Quest to FIRE. The vlogger is a 30 something married woman w/ no kids living in NC, working towards her FIRE goals. She has a great sense of humor and is fun to watch. I think this is my favorite channel right now.

I also used to really like GazelleIntents, who were doing the Dave Ramsey thing. They were a young engaged couple when I started watching, and they were just adorable. Then they got married, had a beautiful baby, she got some promotions and became the sole bread winner while he was doing the full-time sahd thing, but then they took down their channel. Frown

Another FIRE channel I really like is GoWithLess. This couple is late 40s/ early 50s, FIREd a year or two ago, and are just about to embark on full-time world traveling (not RVing).

My favorite RVing channels are EnjoyTheJourney.Life and Long Long Honeymoon.

Anyone have any favorite YouTube channels they want to share?

Place to Sell Used Phones

December 26th, 2019 at 10:46 pm

Have your heard about this new company Trademore?

Text is https://www.trademore.com/?gclid=EAIaIQobChMIz_bP37HU5gIVkYbACh0CKwHqEAAYASAAEgKDL_D_BwE&gclsrc=aw.ds and Link is
https://www.trademore.com/?gclid=EAIaIQobChMIz_bP37HU5gIVkY...

They buy and sell used phones. I have a couple lying around; if they will buy them at any price, I will be happy to mail them off in prepaid mailers and have them out of my hair. I wouldn't mind having an extra dollar or two either (for debt repayment purposes, of course).

I don't buy expensive phones, so I'm not certain if they will want mine. But, we shall see.

Tomorrow is payday; since I know I want to pay an additional $572.87 towards my 5th wheel loan and since the funds are available, I pulled the trigger a day early. I lost $69.61 to interest leaving $503.26 to reduce the balance down to $42,170.90. I have now paid off 10% of the original principal balance.

Car Insurance & Reg Sinking Fund

December 18th, 2019 at 08:52 pm

I have just paid my car & 5th wheel insurance 6 month premium, so I thought this would be a good time to take a close look at my insurance and registration sinking fund.

Projecting the balance through all of next year, ignoring interest earned, it looks like I will have enough to cover both insurance premiums and both registrations next year, with the lowest balance at any point being $288.64. This is more than is needed. I intend to transfer $188.64 to checking and use it towards my next extra principal payment. That still leaves a cushion of $100 plus interest earned, which in my view is plenty.

Payday and Extra Loan Principal

December 13th, 2019 at 02:10 pm

Today is payday, so that means another extra principal payment. I was so excited about getting to pay it, I could hardly get to sleep last night!

It had been 10 days since my last payment and $53.87 of interest had accrued. I calculated I had $310.77 extra, which left $256.90 to reduce principal. The balance is down to $42,674.16.

Another month's payment has been eliminated; the last payment due date is now 2/3/31.

Ocarina and Moringa

December 8th, 2019 at 08:18 am

I got my bass ocarina in the mail today and I have already practiced it for about 50 minutes today. I got a plastic one so it was $45. Not a bad investment for a decent sounding instrument. The ceramic ones cost quite a bit more and have an extra note, but I figured this was fine to learn on and light to hold, although still a little heavier than I expected.

I did two 20 minute sessions and then another ten as I'll need to build up the strength in my fingers and hands. This is a new instrument to me and will be the seventh I've played. My son has been playing the tenor ocarina for a while now and he wants me to learn so we can do duets and I was up for a new challenge.

So I am trying to get the fingering down, the blowing down, and trying not to hold it too tight. So far I can do a scale, but not great on the higher notes. I am really good on C,D,E,F, and G, though which is the right hand. The first lesson is on those notes and I can play Mary Had a Little Lamb and Hot Cross Buns and it sounds like the songs. The left hand should come with more practice. There is a lot of violin/viola and piano/organ muscle memory in my left hand, so I'm kind of fighting that a little bit. And it's different from holding a flute, too.

Playing music helps me cope with SADS. It gives me something to look forward to on these darker days, something to inspire me. And it challenges the sluggish part of my mind that just wants to sit or lay around watching YouTube all day long. As does practicing French on Duolingo. I think if you don't keep your mind occupied it is easy to give in to depression.

I am still writing as well. I've got 18 chapters on my novel now and have written a couple of short stories. I am just trying to keep in the writing habit even on the days the novel doesn't want to be written.

One of the interesting things is that I started taking the supplement Moringa about ten days ago and I felt a dramatic decrease in my pain from it. I still have some muscular pain going on in my back, but the deep pain in my hands, wrists, and shoulders has lessened so much that typing and playing a musical instrument do not automatically make my hands useless for days on end. I haven't had to ice my hands since starting it.

I did a lot of research on this plant before deciding to try it and the difference is tremendous. It is supposed to be a miracle plant. While I don't know about miracles, I do know it is making a big difference. They say it can cure just about anything. Well, I don't call it a cure, just a help with both the rheumatoid arthritis and the fibromyalgia. Now if I could just shake this sinus thing and the exhaustion, I might really start to get my life back.

5th Wheel Loan Payment #7

December 3rd, 2019 at 06:36 pm

or payment #2 since refinance.

The regularly scheduled payment of $407.58 happened today, bringing the principal balance down to $42,931.06.

Since the previous regularly scheduled payment, I managed to pay an extra $1,039.96.

If I never pay another extra cent, the last payment will happen on 3/3/31. The total interest paid will be $13,735.76, a savings of $14,118.80 from the originally scheduled interest of $27,854.56.

I am including a snip of my spreadsheet here, since it is not showing up in "My Pages".


New Budget Spreadsheet

December 2nd, 2019 at 02:07 am

Here is a new spreadsheet I have been working on. As you can see, it is a bit more detailed than the one I have used in the past. It is basically showing a summary of every transaction in my checking account for the month of November 2019.

So it begins with an area labeled "Income" and colored yellow. "Income" is a bit too narrow of a description, as it also includes money transferred in from other accounts as well the beginning balance of my checking account, labeled "Buffer". So a more accurate description would be "money I had to work with this month".

The second area is labeled "Cash" and is colored green. This is the cash I withdraw on paydays.

The third area is labeled "Fixed Expenses", is colored purple, and includes the monthly bills I am currently paying.



The fourth area is labeled "Sinking Funds" and is pinkish-red. This shows the money being tucked away into sinking funds. The area extends to the right to show a summary of the transactions in the particular sinking fund and its balance.

The fifth area labeled "Other" and colored blue is for transactions not included elsewhere. The yellow line on the bottom is a grand total.



And then the last section labeled "Checking" and colored green is the amount I need to leave in checking at the end of the month. Everything left in checking above that amount can be thrown at my current goal, which at this time is debt.



I'm liking this spreadsheet. It is pulling all of my current, relevant info together in one place.