Home > Archive: August, 2020

Archive for August, 2020

No Job Offer and Recent Expenditures

August 15th, 2020 at 05:11 pm

I have never heard back from the local water district. I accept that if it were the right job for me, it would have just fallen into place.

Unfortunately, my laptop got dropped and the screen got a huge crack. Frown I thought about looking into replacing the screen (how much it would cost, etc.), but then decided no, I don't want to do that. I allow Google to save all of my passwords, so dropping my laptop off at a repair place means I am vulnerable to complete strangers logging in to my bank accounts, etc. I ended up at Best Buy and bought a new one; my EGadgets sinking fund will cover most of the cost.

I am done paying for my dental work! My partial is almost complete, I may be taking it with me at my next fitting (or it may need to go back for another adjustment). It is a long process, getting a denture. I transferred all but $1 from my dental sinking fund to checking. I had saved more than I needed, the excess will of course go to debt. I renamed that last dollar "Car Replacement Fund".

And lastly, I bought another planner. It is a simple, inexpensive one from Mead, and so far it is working out perfectly for me.

This coming week, I expect to make an extra principal payment of approximately $1,100. I am really looking forward to it.

5th Wheel Loan Payment #15

August 8th, 2020 at 02:18 pm

or number 10 since the refinance.

The regular monthly payment posted on 8/3/20, bringing the principal balance down to $27,142.63.

Since the previous regularly scheduled payment, I managed to pay an extra $783.04.

The last payment date has moved up to 1/3/27; that is 6 years and 5 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.

July 2020 Budget Report

August 7th, 2020 at 03:13 am

Wages -So, my net pay has dropped by approximate $12.60 per paycheck due to my pension contribution rising a bit.

Transfer In - I estimated I would spend $300 on my trip with Mom to Manhattan, NV but transferred $259.98 because I thought that was what I had spent. I actually miscalculated (more on that further down).

Also, my son-in-law's birthday is in July. I always send my kids and their spouses $50 for their birthdays.

Other - I sold an unneeded item for $100. Yay!

I spent less cash than budgeted. Always nice. Smile

My phone bill was a bit higher than expected, but otherwise no surprises here.

Two sinking fund deposits of $230 each happened in July.

Extra principal - I sent $783.04 to extra principal, less than planned.

Mom-Amazon - Items Mom wanted which I ordered for her. She will reimburse me (and has by now, just not during July).

Broad loan - A short-term loan to a friend. We call each other "Broad".

Mom-trip - Mom's share of expenses for our road trip. She will reimburse me (and has by now, just not during July).

Sheets - A new set of sheets for our bed.

Bra - A new bra. I did not pull money from my clothing sinking fund to reimburse myself, but I probably should have.

Meal-trip - A meal which I inadvertently did not add to the cost of the Manhattan trip. I did not pull money from my travel/vacation fund to reimburse myself, but I probably should have.

July ended with $1,083.57 in checking.

I wanted to end the month with $1,055.07 in checking. Apparently, I subtracted my life insurance premium twice when calculating how much extra principal I could send to my 5th wheel loan. I should have sent $28.50 more.

Lots of little math errors this month, I don't know what to tell you.

Had An Interview

August 4th, 2020 at 03:20 am

On Thursday, I interviewed via Zoom for the job at the local water district. It went pretty well, but of course they have other candidates. They said they will be making a decision "early next week", which is this week. So, we will see what happens. I keep alternating between being excited for a shorter drive and thinking no, making less money would be a mistake.

On Saturday, my mom drove up for the day and brought along a friend of mine who lives in her town. (This is the same friend who occasionally comes to my mom's house when we are playing cards.) They got here early and we played cards all morning and into early afternoon. We have a canopy set up outside, with a mister, and you can hear the gurgling of the creek. It is a great place to hang out. SB grilled some burgers for lunch. They left around 4pm; the day went by so fast. It was so nice to have someone come to see us! It doesn't happen often.