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Archive for June, 2011

What I love about summer...

June 27th, 2011 at 01:23 am

is good food and the company of a great friend. Today, my dear friend came over for burgers and corn on the cob (with a kick). We had a great time!

I bought cantaloupe, blueberries and strawberries at Aldi on Thursday. All of it was super fresh and so tasty.



Want to add a kick to your corn on the cob? Rub butter and McCormick Montreal Steak rub to the corn and grill. Super delicious!




Update

June 23rd, 2011 at 01:22 pm

Mortgage update:

As of June 22nd we've paid $16,914.15 towards the mortgage principal. /

July and August mortgage were paid utilizing my June paychecks. I'm officially out of work until September 1st. September's mortgage will be paid as soon as hubby's paycheck clears next week. I want to have a carefree summer and knowing that the mortgage is paid for the summer provides a sence of tranquility for me.

New car update:

We've narrowed our search to two cars. Toyota Corolla Sport or a Honda Fit Sport. I happen to like the Toyota much more than the Honda Fit, although both of them our great cars. My DS#2 has a 2008 Honda Fit and I can tell you that it's a nice little car, but for me the Toyota pleases me more. Toyota is running a 0% financing on their Corolla and Camry and if we decide to get the Toyota we will finance it at 0%.

Purchases:

Today, I will be ordering a wireless printer (we desperately need) and a Garmin Nuvi GPS. I want to take more day trips this summer, so I decided to buy the GPS. Cost: NOTHING. I'm using my Amazon rewards to purchase these two items and a book I want to read this summer.

Well this is it for my update. I hope you all have a great end of the work week and a wonderful weekend.


2011 goal met!

June 19th, 2011 at 11:05 am

Since I do not work during the summer, I earmarked my June paychecks to paying July and August mortgage payments. July's payment was posted today. My goal to trim $15K off the principal of the house has been met. Woo hoo!!! Very excited.

If you had...

June 19th, 2011 at 12:09 am

85K in the bank, but a $15K truck loan and the need to purchase a car (new), would you use $35K to pay off the truck loan and $20K to purchase a car? Opinions please. I want to be completely debt free, except for the house.

A broken heart and update

June 12th, 2011 at 12:28 pm

I'm exhausted. My DS#2 is going through his first broken heart and we spend yesterday and I suspect today trying to make him feel better. My poor child actually feels physically ill, but I know that this is part of growing up and we all go through that some time in our lives. I'm sure this will not be the last time and it shall pass.
__________________

This is my last week at work until September. I've already set up automatic mortgage payments for July and August (both months to be paid by July 1st). I will only pay $150 extra towards the principal of the mortgage for the summer months. Usually by the end of the summer, September can't come fast enough for us and that's when we have to tap into the emergency fund to make ends meet.

I hope you all have a great work week.

Capital gains?

June 7th, 2011 at 06:19 pm

Does anyone know if we would have to pay capital gains on the sell of our house? This is not the first time we sell a house. The first house was sold in 2004 and we paid $99K and sold for $216K. We were told that when we sold that we did not have to pay capital gains on the sale.

We've been a victim of credit card fraud!

June 7th, 2011 at 01:00 am

I have the habit of checking our Chase accounts every day (mortgage and credit card). So I noticed some charges on the cc account that I did not recognized and most were charged in Texas. Someone used our account number to get groceries, gas, games and other stuff. I was waiting to get a free period at work to call my husband to ask him to call Chase for me. As soon as he answered he told me that Chase's fraud department had left a message to inquire about the charges. The cc was closed immediately and new cards will be sent to us. This got me thinking about all of the cc we have laying around and I decided to close them even though the experts say that it will bring down fico scores. I really don't care, because it's not like I'll be making major purchases any time soon.

Work is almost done for the school year (June 17th). I can't wait for the summer. Summer also means no income at our house, but luckily I worked very hard to increase our emergency fund to cover summer expenses. DS#1 is going to his girlfriend's Senior prom. I'm so excited for him. Contract negotiations at work are in motion but I'm not too optimistic that we are going to get anything worthwile, but at least I have job and I refuse to complaint about it.

I hope you all have a great work week !

A thought on credit cards

June 2nd, 2011 at 03:42 pm

A comparison of our credit card use for the last five months of 2010 and January-May, 2011 revealed that we were overspending so much money. It also revealed that the reason we've been able to apply so much money towards the mortgage principal is the following.

Between August-December of 2010 we paid a total of $9,886.68 on our Chase Visa (balances were all paid in full at the end of each month).

Between January and May of 2011 we paid $1,947.72. That's a difference of $7938.96, which is a substantial amount of money. The bottom line is that I much rather curb our spending and make a nice dent on the mortgage balance.