Just heard about this no hoops money market account, currently paying 2.5%. Their marketing strategy cracks me up.
Thought it might help someone. If you're not shopping for a new online bank, take a peek at their site anyway.
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Just heard about this no hoops money market account, currently paying 2.5%. Their marketing strategy cracks me up.
Last weekend, we were without power from late Friday night through Monday night. This means a good many discomforts. Chief among them: no running water.
For heat, we have a small generator we can run which allows us to turn our space heater on low. The generator is gas powered, so running it longer than 4-5 hours requires going outside to add more gas. "So what?" you may ask. Well, our little love nest gets a bit chilly when the sun goes down:
We also have the option of turning on a stove burner. This is our warmest option. The stove runs on propane and is much more efficient than the gas powered generator. However, we will only use this option during waking hours.
I had to melt snow on the stove for a sponge bath to get ready for work on Monday. By Tuesday, thankfully the power was back. But it was a long, cold 3 days.
So when SB texted me this most recent Friday afternoon that the power was out AGAIN, with more snow forecasted, we decided to rent a motel room for the 3 day weekend. I started calling around, when a friend invited us to spend the weekend in her home. So that's where we are at the moment. It's snowing here too, but just a few inches and we have power.
It's always an adventure.
What a wonderful feeling of relief!
So the mortgage debt is gone, the Heloc debt is gone, and I have already paid my WF Visa in full. (I had overdrafted due to a bill pay error, so was paying 24.99% daily and could not wait one moment longer than necessary to put an end to that).
Over the next few days, I will be paying my remaining debts in full, sending money to my Roth IRA and various savings accounts, and making a small but (I hope) helpful gift to each of the two people I love most in the world.
Going forward, I'm going to see how much savings I can pile up in the next few years. Oh, how I am itching to retire.
SB and I are at my house, clearing out and packing up the last few things. I am scheduled to sign docs on Monday, close on Thursday. The proceeds will be wired to my checking account.
I am going to miss this house, but I am looking forward to traveling light.
I bought another fancypants planner for 2019:
and so at the end of January I calculated my net worth, which I had not done in awhile. I did not include my vehicle as an asset, though I do have the loan added as a debt. I had limited space so just skipped it for this month. This spread is in the front of this year's planner:
I intend to use it to get back to tracking monthly. The 275k for the house is my best estimate for selling price minus commission and costs. In a few days, I will find out how close it is.
I got an offer above list late in the day yesterday. I accepted and we are in escrow! Now I just have to hope it goes smoothly.
I finally got to see Bhohemian Rhapsody last night. It was better than I had hoped!
We leave for the cruise in a week. I bought a fancy beaded dress today at Dillard's. They are having a great sale right now. It was marked down to $83.65. It is a good cut for me, very flattering, and fits perfectly. Captain's dinner, here I come.
I cannot hardly wait to spend 10 whole luxurious days with my family.
It is an overcast, gloomy day today. Some of these came out a bit dark.
The front door as you approach.
The front door from inside. (I don't know why it is showing up sideways).
The living room from different angles.
My little kitchen.
Bedroom #1 at the front of the house.
The hall bath.
Bedroom #2, right-hand side of the hallway closest to the front of the house.
The laundry room, next to bedroom #2. (Laundry sold at no extra charge!)
The master bedroom and bath, last door and room on the right-hand side of hallway. I love the big oval bathtub so much.
The master walk-in closet. Also showing up sideways.
And at the end of the hall, bedroom #4. This is the smallest bedroom and shares a wall with the kitchen. If I were staying put in this house, I would love to lose the wall and incorporate this space into the kitchen. Bonus: doing so would make the path through the house a complete circle.
So there you have it. Not fancy, but clean and neutral with all in good repair. It should be on MLS before the week is out.
Just wanted to share for you rate chasers out there. PNC bank is currently paying 2.35% to online savings accounts. No fees, minimum is $1.
Please note that PNC has brick and mortar banks as well as an online presence. Their traditional savings accounts pay the same sort of rates most brick and mortar banks pay. You must choose the online savings to get the 2.35% rate.
The following is not a referral link. I am just sharing for your convenience.
Here is a picture we took after my ring was ready.
We took that picture in our little yard. The spring and summer just ended we had an outdoor living space next to the creek, which is just a stone's throw from our front (and only!) door. It evolved as the weeks rolled by; we ended up with a large awning in addition to the one attached to the travel trailer, a dinette set, a nice grill, two zero-gravity reclining camp style chairs, a mister, and a nice 3 ft tall inflatable pool with a filter. The days and evenings spent in our little yard were lovely. Here I am, enjoying the amenities:
I spent many a happy hour lying there with a good book listening to the water gurgling along in the creek bed. I am sorry to see summer go.
My house is mostly ready. Well, as ready as it's going to be. I should have some pictures to share next week. SB is still there; I will drive down Wednesday evening after work. Thanksgiving dinner this year is at my mother's house. A niece (brother's daughter) and her family will be staying at my mother's house for the long weekend. My brother, sister-in-law, SB and I will be sleeping at my house but spending our time at my mother's. Another niece (grandniece, my nephew's daughter) and her husband will be visiting, but live close enough they will sleep at home. My son and his wife will come for dinner Thanksgiving Day; not sure how much additional time they will have for us. It should be a wonderful weekend spent with a good many (but not all!) of the people I love best.
Enjoy your long weekends with your loved ones!
Hello SA types! It's been so long since I posted, a whole lot has gone on.
I did end up having to evict my tenant. Even though he was notified of the date and time that the sheriff's deputies would be arriving to lock him out, he was still there when they arrived. If it were me, I would have been already gone and spared myself the humiliation. The eviction service representative I had hired reported that the tenant informed the deputies that he would be staying until the end of the month (lock-out date was 9/19). Surprisingly, they sided with the court order and locked him out anyway.
Since then, I have been working towards getting the house ready to sell. SB has been mostly staying in the house while I go only on weekends. The last few odd jobs are being finished up right now. Then we will do one last cleaning, stage it as best we can, and list it.
So as you might guess, my expenses have been greater than my income these past 5 months. I have gone through most of my cash savings and taken on Heloc debt. Most of the expenses are now behind me, but I will continue to have a cash flow problem until the house is sold (and by that, I mean close of escrow).
Work is going well. I am off probation now and received my first and last step increase. (I started at step 4; there are only 5 steps). My salary is just over 53k and will only rise with cost of living increases, unless I am able to be hired into a different job classification.
My daughter has been thinking she wants to go back to college. She applied for a scholarship to Colorado Technical University last spring. A few weeks ago, she learned she had been selected! It is a full ride excluding housing for a 4 year degree. She intends to study accounting and thinks she wants to go into banking. She is very excited and I could not be more pleased.
I am writing this from a timeshare condo in Reno. I am here for a girls' weekend with 5 other women. While waiting for a turn in the shower, I thought I would take advantage of the reliable internet and throw up a quick post.
A few weeks ago, I told my renter I need for him to move out so I can sell the house. He claims he has no money to move. I said I would forgive the unpaid utilities (I've been paying the water/sewer/garbage bill this whole time, although our written rental agreement stipulates it is his responsibility) in writing and give him 1k cash. He looked around and reported he had found a place he liked which would be available July 12. I said, great, let's do that. No rent due to me for July, so he can rent the new place. Then he had a heart attack and was hospitalized. Now he says he is "stressed" about the move.
I had hoped the 1k would make it possible to avoid litigation and get him out quickly. I still hope that, of course, but it may not go that way.
SB and I continue to live in our little travel trailer on his property. I have begun seriously contemplating what sort of rig would be best in the future for traveling. I am currently leaning away from a travel trailer and towards a small class b or c motorhome. This purchase is still years in the future, so I have plenty of time to contemplate.
SB and I have talked off and on for some time now about getting rings. A wedding ring for him, I prefer an engagement ring for myself. (There are no matrimonial plans, just rings). A few weeks ago, we pulled the trigger on that. He got to leave the store with his, mine is far too small and due to the style, can only be sized up or down one ring size. So, I had to order the same ring in a larger size and it is due to arrive in the store August 17. Here they are:
I just love mine and can hardly stand the wait.
And speaking of wait, I mean weight, I have been losing some of mine. I had gotten so out of shape down in the valley, with all of the coughing and breathing difficulties, for several years I had avoided taking a single unnecessary step. And, it really showed. Now that I am breathing well and more active, I have gradually been dropping a lb here and there. At the end of March, I decided it was time to get into good physical shape and got serious about regular exercise. So far, I am down 23.7 lbs and I feel great. Unfortunately, I have many more still to go.
A lot of people up here square dance. It looks fun, and we want to take it up and see if we like it. This is one of my motivations; when we first talked about it I knew I was too out of shape to keep up with others promenading and do-si-doing about the room. We haven't started yet but we are both looking forward to it.
My birth mother plans to arrive here next Saturday, and I am taking some vacation time. I am looking forward to our visit very much.
Work is going well and my one year mark is approaching (August 19). This is significant because it marks the end of my probation. It also means I will be getting my step raise, which is 5%.
About a month ago, SB and I went to that James Taylor concert and he was just fabulous. Bonnie Raitt cancelled part of the tour (she had surgery), so we did not get to see her. Still on the horizon is that Eagles concert.
I am already planning my budget for the happy time that my house has been sold. Premature as there are some hurdles between that point and my present point, but I do like to plan my finances.
I have recently exchanged out of Vanguard's Target Retirement fund in my Roth, in favor of the 3 fund portfolio. Now ALL of my retirement monies are invested the exact same way: 44% total stock market index, 22% total intl stock market index, and 34% total bond market index. I intend to keep this allocation for the next decade or so.
That's about it, I guess.
I am using the computer in the library of my little town. It's a bit noisy today, as there is an Easter egg hunt underway. The level of cuteness is high.
I am really uncertain how to plan my April budget. I suppose I should plan to receive no rent and pull from savings, and then if I do receive rent it will be a happy surprise. I have mailed some deposit slips for my Wells Fargo savings account to the tenant, so will be checking my phone app instead of the mail to see if I have been graced with rent money.
I have decided that April 10 is my cut-off date, no matter what excuse is offered. I am not going to attempt an eviction from 3 hours away. I have a particular attorney in mind who has handled many evictions and other landlord-tenant disputes for clients (at my old job) who have rental properties. I may have to take a half day off work to meet with and retain him, but he should be able to handle everything from there.
An eviction and then listing the house for sale will almost certainly mean more debt. However, I am fairly certain the house will sell quickly as the market is hot and it is an entry-level home. I have enough equity to take care of all my debt and then some. (What a pleasant change from when I started this blog in Dec 2010 and was upside-down about 80k!) I intend to gift a small but helpful chunk of the "then some" to each child for their Roth IRAs, and invest the rest for myself.
Other than that, life is moving along contentedly. I have reached the point at my new job that I feel very competent, have a large work load, and enjoy my hours at work. I am looking forward to the family cruise that we will be booking soon. It's a lot of money, but I'm doing it anyway, even though I am not entirely sure at this moment how I will be paying.
This coming Thursday is SB's birthday. We have plans Friday evening with friends. The plans include dinner and a night at a local bed-and-breakfast. It should be a lot of fun.
Today is March 25 and I am still waiting for the rent which was due March 1. When I contacted my tenant on March 9, I was told that the rent had been mailed on the 5th. When I contacted the tenant on the 12th, I was told that the envelope had been returned for lack of postage. Oops, so sorry. This past week, I was told that the money order has been cancelled and now I will receive a check from Wal-Mart (where the money order was purchased).
Update: When a Wal-Mart money order is cancelled, Wal-Mart sends a refund to the purchaser. This makes sense, but is not what the tenant told me. I conclude he either misunderstood or is being less than truthful.
As it happens, my son and daughter-in-law gave a 30 day notice to the tenant and are moving shortly (they were sub-letting a room).
So I am left unsure if this is an honest mistake or if a decision has been made to move and this is a stall tactic while unpaid rent accumulates. Either way, I am considering how much I want to tolerate before retaining an attorney and beginning eviction. If I need to go that route, the house is going on the market. I will not look for another tenant.
We are in early planning stages for a family cruise. Probably Mexico.