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Archive for July, 2020

Applied for a New Job

July 11th, 2020 at 02:27 am

Well, I applied for a job this week. It pays less than the job I have now. Why would I do this, one might wonder. The job is for the local water district, and their office is 10 minutes from my home. Right now, I spend a minimum of 45 minutes commuting each way. That's in good weather and with no road construction projects. Currently, I am taking a longer route due to 3 (!) construction projects on my usual route. It is just under an hour each way.

I'm not entirely certain if I hope that I get this job or hope that I don't. I really have some great co-workers and I don't have a desire to work as many hours while making less money. But, getting an extra 1.5 hours of free time daily is VERY appealing. Also, I would save a bit on gas and car maintenance.

The opening came up, I happened to see it, and just felt I had to give it a try. We'll see.

5th Wheel Loan Payment #14

July 10th, 2020 at 01:23 am

or number 9 since the refinance.

The regular monthly payment posted on 7/3/20, bringing the principal balance down to $28,225.67.

Since the previous regularly scheduled payment, I managed to pay an extra $745.61.

The last payment date has moved up to 4/3/27; that is 6 years and 9 months to go if from this point forward I pay only the regular monthly payments.

My "5th Wheel Amortization" page has been updated, if you care to take a peak.

June 2020 Budget Report

July 9th, 2020 at 02:52 am

No surprises here. My take home pay was $0.07 more than expected. I planned to transfer $805.43 from sinking funds to pay my car and 5th wheel insurance and that was the only transfer which happened. Buffer is the beginning balance in checking, and my only other income was the expected $0.01 of interest on checking.

I did manage to trim my needed cash by $40.00. That is always nice when I can manage it as I send every spare penny to extra principal.

No surprises here either. I did come in under a bit on my phone bill, so that was nice.

I make 26 automatic transfers of $230.00 each to sinking funds per year, and 3 of them fell in the month of June. The only transfer out was for my car and 5th wheel insurance. Right now is the low point for that particular sinking fund; no more money will be needed from it for a full 6 months.

In June, $745.61 was sent off as extra principal to my 5th wheel loan.

I paid my car insurance (I pay it with my Citi DoubleCash MasterCard, then pay the charge before the month ends).

I bought some face masks on Amazon; I am now required to wear them to work. I spent $22.29.

I bought some sparkly flowers for Bella to wear on her collar. I spent $11.25.

My checking account balance ended the month with $1,407.58.

My target ending checking account balance was $1,407.58. That's my 1k buffer and $407.58 for my 5th wheel payment scheduled for 7/3/20.

Road Trip to Manhattan, Nevada

July 5th, 2020 at 06:08 pm

I took a vacation day on Thursday, and Mom and I went on a short road trip to Manhattan, NV. My family lived there briefly in the winter of 1969-1970 and Mom has been wanting to reminisce.

I left home early Thursday morning (with Bella), headed to Mom's, then we were on to Tonopah, NV. We stayed at a wonderful old hotel called the Mizpah Hotel. I highly recommend it, should you ever find yourself in the area. Our junior suite was spacious, luxurious, full of beautiful antiques, and cost $129 per night. We could not go into the restaurant because I had Bella, but they have a wonderful lounge in the lobby where pets are welcome, and you can order and be served from the menu. The menu was small but the food was excellent; Mom said they serve the best fish & chips she has ever had. I ordered a burger and garlic fries, and they were both delicious.

Friday morning we were on to Manhattan. The population was 22 (including the 4 of us) when we lived there, but has since ballooned to 124. The retired postmistress still lived in town, and my mom was able to visit with her for awhile. She wasn't much younger than my mom and remembered people Mom had known. That was fun for her. Next, we headed to Fallon where the daughter of a long-time friend (now deceased) of my mother lives. Mom hadn't seen this daughter in about 30 years. We stayed in her home for about 3 hours and had a nice, fun visit. Next, we headed to Fernley, NV. We had learned a few days before that coincidentally, my brother and his wife were planning to be there for a few days! We met for dinner and had a nice time.

Saturday morning we were on the road early. I had planned to take Mom home from there before heading home myself. However, Bella seemed to be tiring of the trip so I changed my route and took her home first (leaving her with SB), making a round trip to Mom's to take her home. I got home about 6pm, tired from all of that driving.

Today I am just kind of taking it easy. I may or may not get my June budget report and 5th wheel payment #14 posted today.