Home > Archive: August, 2020

Archive for August, 2020

Another Unexpected Settlement

August 30th, 2020 at 12:19 am

You may remember a few years back I received a settlement won by the union. Well I got another notice that I would be getting yet another settlement. Talk about an unexpected windfall! It won’t be as much as last time, but I’m certainly not complaining about free money in any amount. It will be make a nice dent in my credit card debt. I’ll definitely have it paid off by the time my 0% interest period ends.

I’m still not getting any hours at my third job, but I am in high demand at my second job. They always struggle to retain personnel there. My employee is now on maternity leave at my full-time job so I’ll be busier picking up her rotation as well as my usual supervisor duties. My second job wanted me to pick up some hours during the week, but I just couldn’t commit to it at this time even with my third job on hold.

Net Worth: $992, 900

All Is Well

August 28th, 2020 at 12:06 am

All is well on the home front. We had some wind & rain our way, but nothing terrible. I made it to work bright & early. Hurricane Laura is the strongest hurricane to make landfall in Louisiana in 164 years! It is a miracle that there isn’t more loss of life than is being reported.

I called my parents today as I do everyday. I asked what they were having for dinner. They said probably cold cuts sandwiches. I decided to surprise them with dinner from La Madeleine’s: chicken La Madeleine, quiche Lorraine, cranberry pecan salad, their freshly baked bread with butter & jam, and an assortment of dessert tarts. 🍗🥔🥦🥧🥗🍞🧈🍮 They were happily surprised & enjoyed everything. I figure making it through the storm unscathed was as good a reason to celebrate as any!

I’ve never been able to post pictures so I make do with emojis. 😁

In financial news, my biweekly mortgage payment posted yesterday & my balance is now under $56k. I bought my condo for $122k with 20% down. I’m always excited to see that balance go down slowly, but surely.

Net Worth $988,470

Hurricane Laura

August 26th, 2020 at 02:15 pm

We are awaiting Hurricane Laura. She is supposed to make landfall near the Texas/Louisiana border as a category 4. She is picking up strength as they initially thought she would be a category 1 or 2 at landfall. Some of the low lying parishes are evacuating. A mandatory evacuation of Calcasieu Parish was ordered. We are on the east side of the storm, but about 2 hours away from where the eye should hit. We will get a significant amount of rain & wind, but not the very worst of it. Please pray for all those in the area impact by the storm. Thankfully, Marco did not cause much of an impact.

I am getting an increased amount of interest in my EBay sales. There must be an algorithm that the more you sell the more you traffic you get.

I caught a good sale on those Jelly Belly recipe mix bags. Thery were 75% off at the Fresh Market. The best by date isn't until December 2021, so I'm holding on to them as stocking stuffers. I grabbed all 19 bags! My younger sister is a big fan of jelly beans.

I am now down 20 lbs in 8 weeks. I lost a lot of weight with WW in my 20's, but I am losing just as quickly as I did then. This program really works for me. People are noticing, which is nice. I tend to not like to draw attention, but if I'm going to get attention, at least this attention is positive.

Net Worth: $981,568

Waiting on Marco & Laura

August 23rd, 2020 at 10:28 pm

I worked today, but as soon I got off work I stopped at the grocery store to pick up a few things. Then I went home & latest EBay sale ready to ship. While I was at the post office I got a notification that I sold another tea towel. So I turned around & went home to get the other tea towel ready to ship. Both are at the post office even though there was a notice that the post office will be closed tomorrow due to the weather. I still wanted them marked as shipped, even though the packages probably won’t be going anywhere tomorrow. I’m excited that my EBay sales have picked up & I hope this continues. The money isn’t much, but it’s better to have the money than the excess material things.

2 for 1 Hurricanes

August 22nd, 2020 at 03:48 pm

We have 2 storms brewing & both look to be headed for the Gulf Coast, unfortunately. I think I am pretty well stocked up for supplies. I have plenty of non-perishable food in my home thanks to my eating plan.

I sold another tea towel on EBay. So exciting! I’ll have to get it in the mail today, before the storms delay the mail even further.

I took a Lyra class taught by my friend yesterday. It was fun. I usually find strength training a chore so it’s nice to find something that is fun.

The TSP website is down for 2 whole days for maintenance. That’s a long time for a website to be down. I know that stocks are up & my Vanguard account is up, as well. I’ll wait until Monday to do a net worth update.

Baby Gift

August 19th, 2020 at 11:12 pm

My employee is going out on maternity leave next week. We’re having a low-key, socially distanced baby shower for her. This is her second baby so I don’t think she’ll be too disappointed with not having a huge celebration. I got her my usual shower gift which is lot of bath supplies. Johnson & Johnson has a new newborn line so I got her that as well as the bedtime & soothing products.

I stopped in a few stores because I’m still on the hunt for bedding. I still didn’t find anything, but I remain surprised by how early the shops are closing & the low inventory/turnover of inventory I see. One store even had the lights half off, I guess to save money. And the clothing stores seem to still have a lot of summer clothing in stock, with little clothing for colder temperatures. September is less than 2 weeks away. I guess we’re all being more frugal now, but it’s honestly a little unsettling to see the mall so empty when it was once bustling. And yet my investments continue to climb. Honestly, I just keep expecting the bottom to fall out, but I’m just curious to see if I can hit double commas before that happens.

Net Worth: $971,396

Costco Membership

August 17th, 2020 at 02:52 pm

I purchased a Costco membership through Groupon. The $60 membership includes a $40 gift card & $40 off online. I went to the store to take my picture for my card & ended up deciding to upgrade to the “black card”. I picked up 4 items: orange roughy fish, riced cauliflower, Laughing Cow cheese (really good deal at $4.99 for 4 wheels), and roasted peanuts. I would have bought more frozen veggies, but have no more space in my freezer. We used to eat orange roughy all the time when we lived in the upper Midwest, but here on the Gulf Coast you can pretty much only get catfish, tilapia, or salmon. On the rare occasion you may find trout or mahi mahi. 🐡🐠🐟

I also bought my parents & I thermometers. They had the forehead thermometers for $23. All of these things that were so hard to find or were so expensive are finally becoming reasonable again. 🤒

Home again today & I plan on doing some book keeping, laundry, & house cleaning, as well as hit the gym.

Net Worth: $967,382

PayDay...Kind Of

August 15th, 2020 at 03:51 pm

I got paid yesterday for my third job. I only worked 4.37 hours due to the kit shortages. I paid 75% of my pay in taxes because I have it set up to take an additional $100 out each paycheck. So I netted approximately one hour’s pay. Oh well. Even though I’ve only worked there 3 months I’ve already made over $10,000 for the year.

TSP says my personal investment performance for the last 12 months is only 6.26% but it sure seems like a lot more with the recent gains.

Net Worth: $969,408

Facebook Sales

August 15th, 2020 at 01:36 am

So after having my tea towels listed for quite some time I had a big sale of 6 tea towels at a very good offer. The tea towels are fall themed with rich, vibrant maple leaves. 🍁

I think the seller will be pleased with her purchase. I was a little sad to let them go, but I already had one for myself, gifted my older sister one a couple of years ago, and kept the remaining tea towel as a housewarming gift for when my younger sister purchases her home. 🏡

Net Worth: $969,143

DirectTV Scam

August 13th, 2020 at 10:59 pm

Well, I just got hit by a scam company. They called promising me a 50% discount on my DirectTV bill through a promotion with EBay. You may have heard about this scam where they ask you to pay for several months of your new promotional rate with an EBay gift card. I was looking it up on the internet as he was talking & found it was a scam. I reported the scam & the associated phone numbers to AT&T. They said that they were getting numerous calls for this scam. Be aware that AT&T will never ever ask for a gift card for payment & please let your vulnerable loved ones know about this scam.

Net Worth: $968,965

Unexpected Home Maintenance Bill

August 10th, 2020 at 03:23 pm

I used to get my air ducts & dryer vents cleaned through a Groupon coupon. It’s been several years so when I saw a coupon pop up I grabbed it. And of course, when he gets here I need a much more thorough cleaning due to the black mold found. Anyway, I ended up purchasing a very expensive package that I probably didn’t really need. So that sets me back a little this month on my debt payoff unless I get some unexpected hours.

Net Worth: $959,128

PayDay Review

August 8th, 2020 at 04:14 pm

Yesterday was pay day. I got paid from 2 of my jobs. My third job pays semi-monthly so on the 1st & 15th. This month the 1st was a Saturday so I got paid on the 31st, which was a nice surprise.

My car payment is automatically deducted on paydays. I now owe less than $2k on my car. I also schedule credit card payments at least every other week. My credit cards are now down to $10k as I mentioned in my last blog post.

My IRA deduction will go out next Friday. It is scheduled for the 15th of every month, but the 15th falls on a Saturday this month. At one time I was sending the full year’s contribution on January 1st. I hope to get back to that in 2022 when I’m debt free except for my mortgage. My auto & homeowners insurance as well as my utilities are also due on the 15th. My mortgage is paid biweekly the Wednesday after my two paydays.

Net Worth: $959, 901

Back to School

August 7th, 2020 at 01:56 pm

I can't believe it's back to school time again! Even though kids got out early this year, it seems like it was only yesterday. My friends have been posting their kids’ first day pictures on Facebook. I pray that everyone from the children to the school administrators stay safe & healthy this year.

Last week I spent a good bit of time reviewing my budget journal. I also bought new binders to replace my financial statements binder that is falling apart. I will have separate binders for my TSP, SS, Vanguard, etc. I suppose I could pull some things & file them away, but I like having all statements at hand for my open accounts. I usually only file away accounts that have been closed.

My credit cards are now down to $10k from a high of $22k. When they are paid off I know that I will need to dedicate some money to taking care of things around my home. Until then, every dollar goes to debt paydown.

I did a little too much shopping last month so I ended up returning several items. Other items were household items that I know I'll use, especially the cleaning supplies. I also bought a bunch of those $2 masks from Target, because if we're going to be wearing these masks for the foreseeable future it makes sense to have more than a few. Plus I like coordinating with my outfits/scrubs. Smile

I continue to work the 3 jobs & I'm glad that I didn't give any up since the work hasn't been consistent for the third job, even though it pays more. I'm back on the schedule at the hospital for August. Though I was supposed to be off all of July, I still got called in twice for coverage. I wasn't complaining. It gave me some hours when I wasn't getting much elsewhere.

I'm still trying out new lean & green recipes every week. I invested in a Dash mini waffle maker & a Dash mini griddle. They were on sale for $12 at Belk & I got an additional 10% off for picking up my order. The first time I attempted to pick up my order I didn't realize that the stores were closing so early & I just missed the closing time.

I'm now down 15.5 pounds in 5 weeks. I hope to be close to goal by Christmas. I originally set a goal of losing 40 pounds, but I'm starting to believe I can get back down to where I got to when I did Weight Watchers. Not by Christmas necessarily, but sometime in spring. I also have my 25th high school reunion in the spring so that's a great motivator.

Net Worth $955,181

August Already

August 2nd, 2020 at 12:41 pm

Time flies when you’re having fun. July was a good month for me. Although I didn’t get as many hours as I did in June, I still consistently paid down debt. I’ll be getting more hours this month. I also did a bit too much spending on July so I’m taking/sending some things back.

My debt continues to go down & my investments continue to grow. Next year when all my debts are paid off & I get another raise maybe I can start looking at doing stock trades. I have a couple of friends as well as my mom that seem to really enjoy it. I won’t start with much at first.

I got my hair done for the first time since everything got shut down. It was $90 including tip. She had to trim a good bit. I’ll have to be more consistent about going now. Hopefully we don’t get shut down all over again.

A couple of things that I won’t be sending back is my new Dash minis: griddle & waffle maker. I got such a great deal at Belk’s thanks to a tip. $12 on sale and another 10% off with pick-up. I already made roasted garlic mashed potato waffles & they were so good.🥔🧄🧇

My friend invited me to an online Croatian cooking class at the end of the month. The theme is Jewish foods & I think it will be fun. I can’t eat the food on my current plan, but I can bring it to my parents. I will have a little to taste test if I decide to participate.