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Archive for April, 2016

April recap

April 30th, 2016 at 06:44 am

The month of April turned out to be a pretty descent one. Aside from an unexpected vet bill, things went according to plan. Today I will close the monthly expenses with more dog expenses-a grooming bill and dog food purchase. Dog expenses are part of being a responsible pet owner and the joy Leo brings into our lives far exceeds the cost of his care. I just freaking love him.

We are now at close to 54% of our savings goals and I have four more regular paychecks until summer break. By then, I hope to bring the household savings up to the 60% mark. A hefty $2,200 quarterly property taxes is due by May 10th. The price we must pay by living in HCOL state.

On another note, this is the last week of Spring semester for DS#2, which means that as of May 6th, he will only have one more college semester left. One more tuition payment and we will be free as birds!

Well...that's it for today. Have a great weekend and a good and frugal work week.

P.S. My thoughts and prayers are with Amber. Frown

Goal met and so confused

April 18th, 2016 at 03:10 pm

DS#1 gave me a check last night for money he owed me. I deposited the check and added $200 from our checking to make a deposit that brought us up to nearly 51% of the savings goal. Adding the extra $200 is a way of pushing myself to save more. I will have to be extra careful with spending until next paycheck. So 49.2% more to go!

My husband called the state pension system to figure out how much longer he will have to work to get his full pension and be eligible for full benefits. As it turns out, he is able to do that in November of 2019. We were contemplating a move to warmer pastures as soon as he retired but quite honestly, I'm confused as to what to do. By then, I'll have 12 more years left to retire with a pension and benefits as well. Is it a wise move for me to let my job go and move to a warmer state or tough it out? If I leave, I'll have 13 years into the pension. Keep in mind, that my husband is 11 years my senior and I started working later in life because I was a stay-at-home Mom. I also think that I can live with SAD during the winter months as long as I become proactive rather than reacted prior and during the onset of the winter months. I also don't know if Central Florida is the ideal retirement home for me. It is much too busy for my liking. I would not even know what areas to consider. What do you think?

Pay Day/Summer Fun Fund

April 14th, 2016 at 04:05 pm

Tomorrow is pay day! I am so close to reaching 50% of our savings goal I can almost taste it. Unfortunately, I'll have to wait until next pay check to reach it. I am also setting money aside in a "summer fun fund". I am a 10 month employee and I would really like to do certain things during the summer (Broadway shows, beach, 911 Memorial,etc). There is about $400 in this fund so far. I would like to have $1k in it by the end of June. Fun, fun fun! I also save 10% each pay period during the school year in "summer savings" and I will receive a paycheck in July and one in August but that money is geared towards the household budget.

Well that's it for today, I hope you all have a frugal and fun filled weekend.

Savings and blogging

April 12th, 2016 at 03:24 pm

The good news is that I deposited a little over $363 in the savings account today. All of it came from my DS#2 reimbursing for a check I cut out on his behalf. We are so close to 50% of our savings goal and now working towards attaining 65% of the savings goal by the year.

I finally made a leap and I now have my own blog. If you want to check it go to:

https://onmyowntermsblog.wordpress.com/

Vacation and money update

April 6th, 2016 at 05:41 pm

We returned from our vacation Saturday. I must say that we had a great time: family, great food, sand and sun (repeat). Most of the money we spent was on eating out, car rental and liquor (tax free) at the airport. I don't drink but hubby enjoys a little bit of hard liquor from time to time and Bacardi Rum and moonshine was dirt cheap. I gave my Mom $100, my cousin, $100 (sad situation for her) and my niece $50.00. I consider myself extremely blessed and if I can pay it forward without compromising our finances, I definitely will. A few days after we came back, the dog turned out to have a gastrointestinal problem which ended up costing $325. Oh well...it comes with responsible pet ownership and there was no way in heck that I would not treat him. I also ordered a cover for the grill and a set of nice coloring pencils for my adult coloring books. I spend a lot time coloring and I want the pages to look the best.

Don't ask me how we did it, but we ended up saving 85% of our net income in March. The most we've been able to save was 60%. I had to double check my bank statement to verified that and we did. April won't be as abundant and I'm definitely fine with that. DS#2 has officially registered for his last college semester. We are super excited!

I hope you are all having a great week. I leave you with some of my vacation pics.