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So much to do

February 10th, 2021 at 11:33 am

Thinking about everything I need to do to get my home ready to sell can be overwhelming so I'm just taking it in stages. I realize that since I filed my 2020 taxes I probably won't be getting the next stimulus due to increased income. But now that I've paid off my credit card debt, my cash flow has greatly improved. I don't plan on touching my growing savings for any of these projects.

Next step is the removal of wallpaper & painting my upstairs bathroom. I got a quote prior to COVID, but it was only good for 30 days. I wasn't super impressed with him because it took days for him to come out then he didn't give me the advance notice he had mentioned, but not many painters are willing to deal with wallpaper so I need to be flexible.

I also need to replace my downstairs bath surround, have the upstairs closets painted with stain kill for past leaks, carpet cleaned, and repair a leak in one of my upstairs bathroom sinks. I've been bad about keeping up with home improvements. One step at a time...

Any bathroom paint color suggestions? I know neutral & lighter is always recommended by realtors.

Net Worth: $1,192,115

Today was a Wonderful Day

January 21st, 2021 at 04:08 am

Monday was the federal holiday to honor Rev. Dr. Martin Luther King Jr. I took off Tuesday & Wednesday as well. My friend was here each day doing work on my house. I had my kitchen cabinets & a few doors painted. Everything looks nice. Looking forward to getting more done in preparation for putting my home on the market. Still have more to do.

I was inspired by Monkey Mama's chicken fajita subs so I made a recipe I've tried before & really enjoyed: chicken fajitas made in the oven on a sheet pan. Turned out great once again & I ate them on whole wheat flour tortillas.

I was up early enough to watch the inauguration events starting with Trump's departure from the White House. I'm glad that everything went off without incident. All the ladies looked so lovely & everyone seemed to be on good spirits. I liked seeing the gifts presented to the President & Vice-President. I'm be never seen that before. It reminded me of the feeling in the city during Obama's inaugurations. I attended both.

But today was mainly a wonderful day because my grandpa is still with us. He was rushed to the hospital yesterday evening. The doctors had an idea what was wrong, but couldn't be sure without performing exploratory surgery. Problem was: he's 90, his heart briefly stopped during a procedure last week, and he's lost so much weight that he isn't even 100 pounds. So one doctor wanted to go ahead, while the other doctors weren't sure he would survive. I spoke to my aunt, who is making the decisions because my mom was too upset. We both agreed that among the choices not doing anything was not an option. We weren't going to let him suffer. So my aunt gave the okay. Miraculously, he survived the surgery & they were able to fix the issue which was as they thought. He has a road ahead of him, but we are happy that he is still with us. Today was a wonderful day!

New Year's Eve 2020

December 31st, 2020 at 05:33 pm

Happy last day of 2020! It's been a tough year for many & I'm happy that so many will be able to turn the page on what has been a difficult year.

My sister lost her mother-in-law on Tuesday. They had a very good relationship, which is not always the case with daughters-in-laws and mothers-in-laws, so she was very upset. Praying for my brother-in-law, sister, and my niece & nephew to ease their pain.

I got paid my final paycheck of 2020 today so I can start crunching my final numbers. I hope that the market ends on a high note!

I met with a real estate agent yesterday & signed the agreement for her to be the listing agent today. I also unexpectedly sold 2 candles on FB Marketplace yesterday. I sold for the same amount that I initially declined from another buyer, but I'm even more ready to pare down now. Contemplating contacting the interested party to see if her offer is still good. She was interested in buying 5 candles.

I will do my 2021 goals in another post tomorrow. Happy New Year!

ETA: I also just sent $1,500 to my Roth IRA today to complete my 2020 contributions. Now I can start out fresh in January, without playing catch-up.

 

Investment Goal Achieved

December 16th, 2020 at 12:00 pm

A good day for the markets meant I reached my investment goal of $1 million! It was so close only a week or two ago, but then the markets pulled back.

Investments: $1,004,409

I received another Clever Fox planner, this time the financial planner. It was a special gift bundle that came with the cash envelopes. I weighed the pros & cons of both and have decided to keep the financial planner and gift the budget planner. I gifted the cash envelopes & extra stickers as well. With achieving so many goals this year I'm looking forward to achieving more in 2021.

I got confirmation of my performance award on my next paycheck. That will be a nice bonus at Christmas. I will also be working Christmas Eve since my employee that recently returned from maternity leave wanted the day off. I get holiday pay so that's nice. Usually I want off because my family is in town, but that's not happening this year.

Every once in a while I get a letter from a realtor saying they are looking to buy in my complex. This time I responded & she will call me today. I am ready to sell. I'm not sure what my next step is, but I'm open to the possibilities. I have $70k in equity if I sell for what I bought it for.

Net Worth: $1,109,739

Birthday Blessings

December 5th, 2020 at 06:49 am

Well, I am less than an hour into my birthday. I just got home from work. So much to be thankful about & to reflect on. When I think of where I was a year ago, I've made huge progress financially & in other ways. 

Today I am less than $2k away from having $1 million in investments. So very close. It would have been nice to make that goal on my birthday, but I know it's just around the corner.

I just wrote a check for my property taxes. I did finally get the bill in the mail. I like to pay my bills as they come in. I know some people do theirs monthly. 

Net Worth $1,101,715

Columbus Day

October 12th, 2020 at 04:18 pm

Today is a federal holiday so I have the day off. I worked a 12 hour shift at the hospital. When I got home last night my mom called to tell me that my dad had been in bed all day because he couldn’t move his right arm. That caused alarm bells to go off immediately in my head. I then spoke to my dad & he explained that it was bursitis that he’s experienced before. That calmed me down a little. He has an appointment this afternoon with his doctor. He tried to tell me that he could drive himself. Really?! I don’t think so. My mom hasn’t driven in months & she gets nervous easily. So of course I’m driving him to the doctor.

They called about 3 times this morning trying to tell me that didn’t have to take him since it was my day off, but if I did, I didn’t need to stay there & wait for him. Like I could ever consider helping my parents as a burden! I’m so grateful for all that my parents have done for me. I consider it a joy whenever I can make their lives a little easier or less worrisome.

I’m so grateful that I can make a good living here since my sisters live on the east coast. And if they decide to move maybe I will, too. I can be happy anywhere & in any situation because that’s what I choose to be. Having said that, I do believe that some places & situations will bring me more joy than others. I’m working on improving my life everyday: financially, personally, spiritually, and professionally.

I spent some time this weekend & today organizing my jewelry. Coincidentally, as I was doing this my friend offered her rolling jewelry case for free. I already have a nice Pottery Barn jewelry case that I picked up from Tuesday Morning, but I’m excited to see what hers is like. The one from Pottery Barn has a lock that doesn’t work, which is why it was such a steal.

Net Worth $1,009,805

Also, Happy Indigenous People’s Day & Happy Thanksgiving to the Canadians! 🦃🥧🌻🍁🍂🇨🇦

My Weekend

October 5th, 2020 at 04:24 pm

I started this off as a reply to another blog, then realized that I was writing a blog entry! 😹

My weekend was good. I started it off by taking a 4.23 mile walk around the university lakes after work. I know the exact distance because I logged it with my Fitbit Versa. I walked a brisk 4 mph. The weather was beautiful!

Saturday morning I had Lyra class. I stopped by my parents’ afterwards & visited for a while. I brought them muffins & cereal from Sprouts. Then I came home & did a little house organizing. My dad gave me some old shelving that I had bought my last year of college & had been stored in his shed all this time. I put it in my little storage shed. He also gave me a huge shredder which I lugged upstairs to my home office. My little shredder was not cutting it so I’m glad for this one. He bought it at a sale where they get rid of old state government office property. That’s also where he got the filing cabinets he gave me for my office.

I worked a 12 hour shift at the hospital Sunday. Today I took a day off. I’m anxiously awaiting my package from Amazon. I bought my Clever Fox Budget planner & more budgeting stickers for next year. I’ve so enjoyed using the one this year that I had to already purchase next year’s planner! This year my planner was rose gold, I bought a gold one for next year. They have more than 20 colors so I can keep buying a different color every year.

Hurricane Sally & Mortgage Info

September 14th, 2020 at 06:23 pm

Though I’m disappointed that my loan info no longer updates on Mint (because they migrated mortgage info from the mobile app to a website) the new website has a lot more information. It has neighborhood comps, home value, and most importantly, I now know that I only have 10 years left on my mortgage! I had estimated the payoff date, but it’s nice to have a definite date: December 2020.

We worked half a day today & the clinic will be closer tomorrow due the weather. Hurricane Sally is expected to make landfall near the Louisiana-Mississippi border tomorrow. My default hurricane snacks are usually a bunch of junk food & I instinctively crave junk whenever they start talking about a hurricane. I have been strong & avoided the temptation through Laura & now Sally. I’m doing so well & don’t want to stall my progress.



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

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

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

Crazy Utilities Bill

May 9th, 2020 at 04:56 pm

My meter was changed out last month & I got a crazy bill. I called to ask for a review almost 3 weeks ago &
I’m still waiting. The bill was outrageously high (almost 3 times last month’s bill!). The issue is with what they charged me before the meter was changed & now it’s gone so I can’t check it myself. They charged me for 2449 kWh for 23 days, then 102 kWh for 7 days. The 102 kWh lines up with my usually usage. If they can’t verify what they charged me with my old meter I’m going to ask them to prorate me based on the 7 days use.

COVID-19

March 14th, 2020 at 03:37 pm

I know everyone is tired of hearing about COVID-19, especially us health care professionals, but it affecting all aspects of life. This week my facility had the first positive patient in our state.

I was supposed to leave for Montreal tomorrow, but that trip (and the event I was traveling for) is now canceled. Also looking very iffy at the moment is my trip to Switzerland booked for May. It may be a blessing in disguise that I can stay home & focus on paying off debt rather than traveling.

I’m down nearly $200k in the market. Sure wish I had been sitting on some cash that I could have dumped in the market.

Sick Days

March 6th, 2020 at 01:59 pm

I am home sick, yesterday & today. Doctor says it’s allergies, but I feel whipped. Cough, chilly, achy, low energy. And now a runny nose I guess from the cough medicine breaking up the congestion. He gave me a steroid shot, prescribed cough medicine, and gave me a chest x-ray because I didn’t like the way my breathing sounded. After he examined me he sent me out to the waiting area with a mask. That got me a lot of wary looks. 😷

Facebook Marketplace

February 8th, 2020 at 05:03 pm

Does anyone here sell items on Facebook? I have had a real urge to declutter my home. I have given away closets of clothes, but for things that I have not used like candles I’d like to get some of my money back. I have a ton of Yankee & B&BW candles. 🕯

What has your experiences been selling on Marketplace?

Home Maintenance

September 2nd, 2018 at 03:22 pm

I'd really like to get back to building up my savings again. My savings accounts were depleted in an effort to pay down debt, but I'd like to have that assurance of having something set aside again. Also, after more than 12 years of owning my own home it has belatedly dawned on me that I really need to have an account for those unexpected, yet expected, home repairs & maintenance costs.