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Budgeting & New Mattress

October 9th, 2021 at 01:28 pm

I took some time this morning to update my budget in Mint. So many categories were obsolete now: homeowners insurance, alarm system, property taxes, student loans (which I paid off over 4 years ago!). Then others needed to be adjuste: mortgage & rent, which more than doubled. 

One of my credit union accounts won't update in Mint, which is frustrating because it's my largest cash account. It is, however, updating in Personal Capital.

I finally figured out how to add my car value in Personal Capital this morning. It's crazy because the Kelley blue book value today is almost the same as it was when I bought it 5 years ago. Supply & demand, I suppose. I think this is the first time in my lifetime that cars have held their value. Usually they are rapidly depreciating as soon as you drive them off the lot.

My new mattress will be delivered today. Mattresses have become quite expensive, but at least I get interest free payments for 4 years. The furniture will be no payments for one year. I don't expect to pay for that long on the mattress, but will take advantage of the one year payoff for the furniture.

My furniture went from expected delivery in October to full delivery expected in January. I should get some pieces this month. That is one thing that hasn't changed: furniture deliveries getting delayed. They blame it on the pandemic, but I remember prior orders. I'm looking forward to getting my second bedroom & sun room (office) furnished.

My investments for Q3 were up, partly because I invested the profits from the sale of my condo just before the end of the month. Since it's only 5% on my portfolio I decided to try something a little different & invest in Vagaurd's high dividend yield index fund. It's pretty new having began in 2019. It will be interesting having a new fund to follow.

5 Responses to “Budgeting & New Mattress”

  1. Lots of ideas Says:

    Are you carrying renters insurance now that you don’t own a home?
    It is usually not very expensive, but will cover your possessions and also can cover cost of housing if your apartment is damaged.

    Also, do you have liability insurance? Sometimes this is included in homeowners insurance. But even without a home, you want to make sure that someone suing you wouldn’t cost you your assets. This is also not that the xpensive for most people, but can be incredibly important if you end up needing it.

  2. terri77 Says:

    Yes, I did purchase renters insurance! It was only $198 through Progressive. My usual homeowners’ company was too expensive so I went elsewhere. I guess it wasn’t on my mind because I used to pay my insurance monthly. Because this policy was so much cheaper I just paid it outright.

  3. VS_ozgirl Says:

    Definitely used car values are high at the moment due to pandemic limitations (supply and demand). My car that we bought last year is the same value but we were amazed to find that my husband’s car that we bought brand new in 2011 still holds a high value! 10 years on it is worth half of the purchase price whereas in reality it should be less than a quarter of the purchase price after 10 years.

  4. rob62521 Says:

    Good news on the mattress. Hope it is comfy!

    So many things are taking forever to get if you can even get them. Hope everything comes as planned and you can enjoy it all.

  5. LivingAlmostLarge Says:

    used car values are out of control! But buying a new car there are NO deals to be had.

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