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Early Morning Week

September 24th, 2022 at 12:44 pm

This week my co-worker & I changed our shifts because we needed to come in to accommodate the night shift nurses. Tuesday & Wednesday were fine. We worked 5a-130p. Then Thursday & Friday we worked 430a-1p. Somehow that half-hour earlier wrecked my schedule. I got off track with my walking, was taking naps in the afternoon, & was just tired in general. The small change was necessary as we were running into the nurses getting busy when we came in later, but I'm surprised what a difference it made in my body. I'm glad that I don't have to do that often.

Wednesday I leave for vacation! I feel a little guilty as there's never a good time to go on vacation. We are always so busy, but I am again in use or lose territory with my leave and the year is quickly winding down. Next weekend it will be October already!

Wednesday I fly into Manchester, NH where I will stay for 2 nights. Then I travel to Rockland, ME for our 4 nights on the schooner. Then I stay in Portland, ME for 2 nights before flying home. I'm so excited. Maybe a little less excited about the boat as it's a little "roughing it" for me. The scenery & food will be wonderful though. As is time spent with friends.

Back to the Grind

August 28th, 2022 at 07:25 pm

It's back to the grind tomorrow. I took off all a last week and enjoyed spending time with my family. My sister stayed the night with me Thursday, then flew back home Friday morning. We enjoyed low-key family time, talking, having lunch, watching movies. It was so relaxing. 

I had a terrifying experience on the spillway Monday night coming home. There was a tanker trucker that came up behind me, no headlights, with hazard lights flashing. I didn't know why his hazard lights were on. Had he lost his brakes? He was so close that I got over as I was scared that he was going to run into me. Then he started coming into my lane & blaring his horn. It was terrifying. He had plenty of time to get over before he was on my tail, which was why I moved over. I really should have called the state troopers. He had no business driving so haphazardly without headlights at night on a dangerous over-water bridge. I was in tears by the time I got home, but so thankful that there was no accident. My heart felt like it was going to come out of my chest during the incident.

In better news, after 3 weeks of diet changes, exercising, and weekly Ozempic injections my blood sugar is running consistently within range. Three weeks ago no matter what I ate my glucose was high. I was worrying that I would never get it under controls. I get my labs again in 3 weeks so my doctor can make sure there are no advisers effects from the Ozempic.

Hello August

August 1st, 2022 at 03:48 pm

It is August already! This summer is flying by. I don't like to wish time to pass, but I always enjoy the autumn. It is my favorite season. ๐Ÿ๐Ÿ‚๐Ÿฟ

I'm looking forward to our trip to Maine at the end of September. I am encouraged to read that airline tickets are decreasing in price. I need to book my ticket to Boston or Portland soon. ๐Ÿฆžโ›ต๏ธ

In June my investments & savings were down $83,439. For July I gained $90,928. I read this article this morning & a BoA executive predicts we're still at least 6 months out from an economic recovery. Who knows? I am glad that at least my cash savings, which isn't a huge amount, are getting more in interest. It can't combat this rapidly rising inflation, but it's something.

Net Worth $1,221,187

Anniversary Weekend Costs

July 17th, 2022 at 04:44 am

Tickets to Hamilton $360 (for the two additional tickets, my ticket was part of my season pass)

Hotel $324.27
Dinner $233.10
Lunch $49.88

Parking $10.50

Cash tipping $15

 

Nearly $1000. That will be a couple of weekends at my PRN job. It was more than I figured in my head and probably doesn't include everything, but the cost was priceless when my mom told me is was the best weekend ever. 

Q2 and Mid-Year Outlook

July 1st, 2022 at 08:44 am

I haven't done the final tally, but I'm down again for Q2. I don't know if there's an end in sight so I just keep plugging away. I'm still north of $1 million overall, and also in retirement.

This is a strange economy. There seems to be no limit on jobs available, yet no people to fill the vacancies. So many people are leaving the healthcare field. It makes me nervous for the future of healthcare in this country. And I'm happy that I'm not traveling this summer as flights continue to be canceled due to a shortage of pilots.

I read an article that estimated that 401k limits will increase to $22,000 next year due to inflation. I am anticipating an increase to the IRA limit as well. We shall see.

Retention Incentive Updateโ€ฆor not

May 22nd, 2022 at 02:36 pm

I have mentioned that we signed a retention incentive agreement back in the beginning of March. It still has not been paid. This week we all got our personnel files updated with the retention incentive document & it looks like it will be paid retroactively. However, they forgot to put a percentage so now it's in question whether we will actually get it.

I can laugh about it, because I'm not struggling to pay my bills, but it's such a calamity of errors that occurs sometimes. For all the benefits of working for the federal government, the amount of bureaucracy is astounding. I understand we need to be accountable, but sometimes the costs seem to outweigh the good.

I've had two weekends of theatre going. Last weekend we saw two ballets: Swan Lake & Don Quixote. This weekend we saw the musical Mean Girls. The Covid-19 numbers are picking up, but I'm vaccinated and boosted and I'm trusting that if I catch it my body will be able to fight it. Of course, I'm also hoping that I don't have to find out how well my body can fight it. 

I bought an air fryer! I'm not a big cooker & it's been sitting in the box for a few weeks now as I contemplate whether to keep it. What do you make in your air fryer? 

Heavy Spending Month so farโ€ฆ

April 21st, 2022 at 07:41 pm

This month has had some big spending due to work expenses, most of which as being reimbursed for our laboratory's recognition week. I also paid the first installment of next season's theatre tickets.

I'm excited about the season which includes: Six, Moulin Rouge, To Kill a Mockingbird, Lion King, Tina, Pretty Woman, Jesus Christ Superstar, and Fiddler on the Roof. I passed on the season option of How the Grinch Stole Christmas. I've seen it before (as I've seen many of these shows) and the holidays are busy enough as is. If the Christmas show was White Christmas I probably wouldn't pass it up. I love that movie. โ˜ƒ๏ธ 

Our Easter was nice & quiet filled with good food and beautiful spring weather. I love this time of year before it gets crazy hot. I am trying to think of a getaway before the temps start rising. I would say Maine, but we already have our trip to Maine booked for this fall. I am looking forward to it, rustic as the trip may be. I have been wanting to visit Maine for a while. Maybe I will venture further north, like Quebec. ๐Ÿ‡จ๐Ÿ‡ฆ 

We have not yet received our retention incentive, but I continue to work overtime and my PRN job. This month is also a 3 paycheck month, so yay! I'm not making any big money moves right now, but I may get back to adding to my brokerage account for a future home purchase. Right now it stands at $75k.

 

Happy New Year! ๐ŸŽ†

January 1st, 2022 at 09:57 pm

Happy New Year! I wish you and yours happiness & health in 2022. I meant to post at least once in December, but with the busyness of the holidays time got away from me. ๐ŸŽ„ 

I celebrated a birthday last month. I celebrated by going out to lunch with my parents. They rarely eat out since the pandemic began & with Omicron I doubt they'll be doing it again anytime soon. ๐ŸŽ‚ 

My sisters came home for Christmas. It was so good to see my niece & nephew for the first time since Christmas 2019.  My younger sister flew home, while my older sister & her family drove from Virginia. We had an outdoor Christmas Day gathering with extended family. For once I was thankful for a warm Christmas! The high was 80 degrees here on Christmas Day. โ˜€๏ธ 

I leave Wednesday for Nashville. There's a 40% chance of snow there on Thursday. I'm looking forward to my trip. I ordered some KN95 masks to wear. While I wore cloth masks in New York & was fine, with this new more contagious variant I thought it would be good to get more effective masks. Where we are going is requiring vaccination for entrance & I'm thankful for that. ๐Ÿ˜ท 

I did my budgeting this morning since it's the first of the month & year. Nobember & December were high-spending months. I appreciate the cash my parents have me for my birthday & Christmas. My investments grew over $56k last month. I placed a trade for $6k to my IRA today. I was going to do $500 monthly contributions, but got inspired to go all in today. ๐Ÿ’ฐ

I get an annual raise of 2.2% in the new year & I will get a step increase in June. I have increased my retirement contributions to meet the $20.5k limit this year. I decreased my FSA contributions & I hope I don't regret that. It's always a gamble as you never know what will happen. I appreciated when they allowed us to change our allocation mid-year. 

Net Worth $1.388 million 

Inverstments $1.340 million

Happy Thanksgiving! ๐Ÿ๐Ÿฆƒ๐Ÿฝ

November 28th, 2021 at 04:24 pm

I see the website has been upgraded in my absence. I like what I see so far!

I hope you had a Happy Thanksgiving. Ours was quiet as usual. We continued our new tradition from last year of Rock Cornish game hens instead of turkey, along with ham, cornbread dressing, carrot soufflé, and my homemade cranberry sauce. I usually do the fresh snap beans with potatoes & bacon, but my dad said to just cooked the stir-fry veggies we had in the freezer. Fine by me! Everything was delish & I'm eating my leftovers today. ๐Ÿ—๐Ÿ–๐Ÿฅ•

My last two paychecks have had OT on them & that adds up quick. I'm always surprised by how much of an impact it has, but at a rate of 1.5 pay plus the shift differentials, it is significant. Much better than my pay when I had two PRN jobs. Work is about to get busier as my lab manager retires at the end of the year & I am the assistant lab manager. 

I traveled for the first time since 2019! My friends & I met up with my sister in New York. We had a great time. We saw 4 shows, ate great food, & did a ton of walking. ๐ŸŽ๐Ÿš–๐Ÿ—ฝ

I have two more trips booked: Nashville in January & Maine next fall. ๐ŸŽธ๐Ÿช•๐Ÿฆžโ›ต๏ธ It is also my parents' 50th anniversary this summer so we may do a family trip.

I thought I might hit a million dollars by the end of the year in my TSP, but then the market pulled back due to Omicron. It still may hit those elusive 7 figures in 2021, we shall see. 

Yesterday I went to Hobby Lobby & Michael's looking for a Christmas tree. I had thrown my tree out last year as it had seen better days. I got a 7.5 ft pencil tree at Michael's and a tree skirt at Hobby Lobby. Michael's was much less crowded than Hobby Lobby. The pencil tree will take some getting used to, but it's decked out in rose gold, gold, & silver this year. It's a very pretty color combination, if I do say so myself. ๐ŸŽ„

My birthday is next week & I will probably have a quiet dinner with my parents. ๐ŸŽ‚

 

End of Month October 2021

October 30th, 2021 at 03:48 pm

I hate losing a blog just as I'm trying to post it! Ugh.

Friday was the end of the month as far as investing so I've been crunching my numbers already. I'm such a numbers need that I really love this time of month. Mint has my net worth increase for the past 30 days by $118,900. This is incorrect, but I attribute it to having a lot of money moving through accounts & my mortgage being paid off due to selling my condo. I also was having issues updating my credit union accounts last month.

My calculations show a gain of $68,616 for October. it's a good thing to do your own calculations and not just rely on the budgeting apps as they can be wrong. I love my Clever Fox budget planner and am already looking for next year's planner. Last year they were pretty late releasing their products. It seems like they would want them on the market by Black Friday, but choices were limited or even sold out in December last year. 

Yesterday's paycheck was larger due to coming in that one Saturday for a few hours. Next paycheck will be even larger because I picked up some evening hours for OT. Our evening shift differential is 10% and weekends are 25% base, on top of the OT rate. It works out pretty nicely. Also, we have shift incentives because we are so short. I'm happy to have the extra money & to help out.

My trip to NYC Is rapidly approaching. I have missed the city so much. I last visited the summer of 2019. We fly out on Veteran's Day. My sister is taking the train up from DC. We have tickets to 3 shows and reservations at the Met and a couple of restaurants. ๐Ÿ—ฝ๐Ÿš–๐ŸŽ๐ŸŽญ

I have lost 13 pounds in the past month, but I will indulge a little on my trip. I have been pretty strict on plan with the exception of this Thursday when we had our Halloween office party. ๐ŸŽƒ๐Ÿ‘ป๐Ÿ๐Ÿ‚๐Ÿฅณ

How is the weather where you are? Here it finally turned cooled yesterday. I'm glad that my dad gave me some gumbo for my freezer when I visited this weekend! His gumbo is of course my favorite gumbo. ๐Ÿฅ˜

Today is closing day

September 17th, 2021 at 01:22 pm

After a one week delay, today is closing day. I'm excited, but a little nervous. I think more nervous than when I bought my condo for some reason. I'm heading there this toning to make sure that I have the mail box key identified correctly. Then my parents' may have an extra key, which I will pick up. My realtor has a set as well. I hope the bee buyer enjoys the condo. It was good to me for many years.

I'm still undecided about how to use my funds, but I will definitely invest some of the money from the sale of my condo. I am not thinking to buy anytime soon.

I am looking forward to traveling again. I have a trip to New York planned over Veteran's Day weekend. I have my flights & hotel booked. I also booked my hotel & flights for Nashville in January. I've never been to Nashville & I know many people love it. I just booked the flights yesterday using miles that are expiring in January. I had enough to book first class tickets so that will be a treat. 

Have a great weekend.

 

Sunday Funday

April 14th, 2021 at 07:33 am

We had a good time celebrating my friend's birthday. The morning started out cool which was good, as it warms up quickly here. Even the drive there was enjoyable to me. I haven't been out of town since since March 2020. We met up at the parking garage then walked to the street fair downtown. It was 7 of us, as 2 weren't able to make it. Only one of us hadn't been vaccinated. We wore our masks. We had lunch at a restaurant under their covered patio. We shopped the street booths, took in some sights, then headed to an outdoor museum of an Acadian village. All in all it was a very enjoyable day & it was so good to be among friends again. I didn't find anything that I wanted to buy so it was the cost of lunch, museum entrance fee, & gas for the hour drive that was my total cost. It was worth every penny!

Happy December!

December 1st, 2020 at 05:40 pm

It's the first of December & the last month of the year. So the first of the last. ๐Ÿ˜„

I'm turning 29 again on Saturday. ๐Ÿ˜‰ I told my parents I just want to get take-out and order a cheesecake (instead of birthday cake). I'm always low-key on my birthday celebrations, even in a non-pandemic year.

Today was payday for my third job. I am adding the amount to my debt pay down. I love that I earn PTO at this job, even though I'm not full-time. Next day that they don't call me in I'll put in a PTO request to use my accumulated PTO hours.

This month I pay property taxes, but so far no bill has come in the mail. I'm hoping they delay payments due to the pandemic. I can definitely pay it this month, but if the deadline is delayed I will delay my payment as well.

I don't think my sisters will be traveling home for the holidays. Although I will miss them, it's probably for the best. We will of course FaceTime, Zoom, & Duo as often as we can.

Net Worth $1,085,809

Happy Halloween ๐ŸŽƒ ๐Ÿ‘ป

October 31st, 2020 at 06:54 pm

Happy Halloween! ๐ŸŽƒ

We had a fun Lyra photo shoot yesterday evening inspired by Halloween. I got some good pics out of it. My flexibility with Star on the Bar (my favorite pose) continues to improve. ๐ŸŒŸ 

Yesterday at the clinic we had a Halloween party. There was costume & pumpkin decorating contests as well as other fun games. Lots of good food as well. It was a fun event. ๐Ÿ‘ป

We survived Hurricane Zeta with little local damage. There was more damage in the New Orleans area with this storm. And we still have another month to go in this very active Hurricane season. ๐Ÿ’จ

I've decided to start trading stocks within my Roth IRA (for tax purposes). I'm excited to do my research & learn more about the companies I'm interested in. They say you should buy what interests you & I am definitely leaning towards stocks related to travel. ๐Ÿ›ฉ

Cruises are no longer under a No Sail order as of midnight today, but who knows when they will start cruising again. When will people feel comfortable cruising? Maybe not until there's a vaccine & even then maybe only when we've had time to study the side effects. ๐Ÿ›ณ

I got my third paycheck of the month yesterday. It's nice when you get to make an extra payment on debts. I'll do some end of the month budgeting later today. ๐Ÿ’ฐ

I have 4 biweekly payments left on my car loan! Today my cash on hand exceeded my debts for the first time in years, probably. Still on track for total debt payoff by spring 2021. ๐Ÿ™Œ๐Ÿพ

Net Worth: $960,559 

 

 

 

 

Victory!

July 11th, 2020 at 03:37 pm

After 4 months of wrangling with the travel insurance company they are cutting me a check for my canceled flights to Montreal. ๐Ÿ‡จ๐Ÿ‡ฆ I only got a credit for the Switzerland trip, but I can use the money for any destination. ๐Ÿ‡จ๐Ÿ‡ญ I have no plans to travel anytime soon. Probably not until next year at the earliest.

I am staying busy with work. Making plans to have some work done on my patio and trying to decide on a new comforter. The latest one that I tried to purchase they canceled the order. I never knew deciding on a comforter could be such a task! ๐Ÿ›

I started my health program on June 29th & lost 9 lbs my first week. Monday is my second weigh in.

I am steadily paying down debt & have paid off $9k since this pandemic began. I am on track to have it paid all off before my 0% interest rate expires in April 2021. My TSP loan was paid off in May. My car will be paid off at the end of the year. My investments are almost back to Februaryโ€™s highs. All in all, financial things are on the upswing for now.

Memorial Day ๐Ÿ‡บ๐Ÿ‡ธ

May 26th, 2020 at 02:05 am

Hope this Memorial Day finds you & yours well. I spent most of today & yesterday napping. My first week working 3 jobs was more tiring than I realized apparently.

This week I will pay off my TSP loan. One loan down, one to go. I expect to have my car loan paid off by the end of the year. My credit cards should be at least half paid off by the end of the year as well.

I am now watching the first of the three night series on Ulysses S. Grant on the History channel. I really want to visit Gettysburg one day. Maybe next spring or summer.

Switzerland Trip

April 16th, 2020 at 11:19 pm

So our departure flights to Switzerland๐Ÿ‡จ๐Ÿ‡ญvia Air France ๐Ÿ‡ซ๐Ÿ‡ท were canceled yesterday. They arenโ€™t offering rebooking at this time. The travel company didnโ€™t take my final payment which was due yesterday. I contacted them & hey basically told me what I already knew. They were looking for other flight options & arenโ€™t charging me until that is resolved. Also, they arenโ€™t cancelling trips until itโ€™s within 14 days of departure. The travel bans seems to be extended in 2 weeks increments. Right now they are only canceling trips out through April 30th.

Montreal Refund

April 15th, 2020 at 01:12 am

I have not received my stimulus check, but my friend did Venmo me my share of the refund for our canceled event. It was about $60 less than what I paid because they apparently charged us a fee for them canceling an event. Go figure. So that was $977.20 deposited into my account today.

I am still awaiting a decision on my claim for the airline tickets. I know airlines are allowing you to rebook within a year, but I purchased travel insurance & would rather have the money. I filed my claim March 11th & I was supposed to hear back within 10-15 business days. I have been patient since I figure they are overwhelmed, but I finally decided to give them a call tonight. I got a voice message that they were closed even though itโ€™s well within the business hours posted on their website. Iโ€™ll try again in a few days.

COVID-19 Pt. 3

March 29th, 2020 at 01:15 am

I worked a 12 hour shift at the hospital today. ๐Ÿฅ Every time I work there seems to be another added layer of protection. In the lobby they stop all employees. ๐Ÿ›‘ We have our temperature taken & are given a mask to wear. ๐Ÿ˜ท ๐ŸŒก They also give us a meal ticket for the cafeteria. ๐ŸŽซ

My event tickets for my canceled trip to Montreal will be defunded. ๐Ÿ‡จ๐Ÿ‡ฆ That should be about $1k. Also, I bought trip insurance for my flight so that will be refunded. โœˆ๏ธ I plan on putting the money toward my debt. I bought insurance for my trip to Switzerland, weโ€™ll see how much it actually covers if Switzerland is still closed to travel. ๐Ÿ‡จ๐Ÿ‡ญ

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.

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

The Revealing

March 3rd, 2020 at 06:26 pm

So through a set of circumstances that my mom is calling divine intervention, almost the entirety of my debt was revealed to her. Of course I was...there is not a word that could accurately describe what I felt. My debt is definitely a source of shame & fear. Not fear in that I canโ€™t pay it, but that itโ€™s a cycle that Iโ€™ll never get out of.

So we had a discussion over the phone. She wanted to wait until later to talk since I was at work, but I hate that. When people have something serious to say to me I want to hear it now, not later. Anyway, after the discussion I went in & cut my TSP contributions down to the minimum I needed for my full match. That will put $600 more in my check before taxes. Once I finish paying off my TSP loan in July Iโ€™ll have another $250 a paycheck after taxes. Once I pay off my car Iโ€™ll have another $150 per paycheck, also after taxes of course. If I suspend my IRA contributions thatโ€™s another $500 a month.

Iโ€™m going to pull out my Dave Ramsey book & get serious. I may even take the course offered at church. Iโ€™m tired of this debt yo-yo & Iโ€™m going to nip it in the bud once & for all.

My mom asked me about my travel & will take the next 2 trips that I have scheduled. After that Iโ€™m on hiatus. It will be hard to pass up trips with my friends, but Iโ€™m so determined to do this. Also, I think my mom is somewhat in shock & Iโ€™d like her to not worry. She says that she isnโ€™t, but like me, sheโ€™s a worrier by nature.

Upcoming Trip

March 1st, 2020 at 03:50 pm

I have a trip planned to Montreal. I leave in exactly 2 weeks. Iโ€™m not sure what will happen in the next 2 weeks, but I am still planning on going. I actually started packing yesterday as I was thinking of how busy the next 2 weeks will be for me. For some reason I couldnโ€™t find my hand sanitizers yesterday, but it just dawned on me where they are. I always bring liquid hand soap as well as I prefer it to those little hotel bar soaps - also itโ€™s more hygienic.

I am preparing for the coronavirus like I prepare for hurricane season except this time weโ€™ll still have power. Thatโ€™s a huge bonus! I have a lot of beans in my cabinet so Iโ€™m going to pick up some rice. Iโ€™ll also pick up some peanut butter, canned fruits, & frozen veggies. I work in health care so I will continue to go to work unless I get sick myself. I stay well stocked on toiletries so no need to stock up there. I think Iโ€™m all set whatever comes.

Catching Up & Checking In

June 9th, 2018 at 08:13 pm

A few weeks ago I wrote a pretty long blog summing up my past few months & it appears it was never posted. Don't you hate when they happens?

My last entry was in February & since then the following things have happened:

Took a trip to Greece & New York in March. It was a wonderful experience, perfect weather in Greece. I got to experience my first St. Patrick's Dqy parade in New York & take in some great Broadway shows including the preview shows of Mean Girls & My Fair Lady. Also saw, Chicago which never gets old.

I filed my taxes and owed over $4k. Ouch. I'm on a 120 day payment plan & have to pay it off by the end of July. I knew I would owe, but wasn't planning on paying nearly that much.

April was fairly quiet. Last month I had two deaths in the family, one expected as my grandmother was in the final stages of dementia, and the other unexpected as my younger cousin died suddenly. It was a rough couple of weeks there.

I'm hoping that June will be better.I am not planning on taking any trips this summer. I am preparing for my biannual lab inspection & planning some fun in between working my two jobs.

I have a couple of trips planned for the fall, to Seattle & Vancouver, and possibly a winter trip to NYC.