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Archive for February, 2018

NO GO

February 16th, 2018 at 07:47 pm

It looks like a move will not be a positive financial move for us. Most of the houses I liked required a high HOA monthly fee, have higher taxes than surrounding areas and we are short by at least $70K (if we were to buy cash). I am not upset, we've worked so hard, sacrificed too much to lose what we have to a hasty and bad decision on our part. I think logically and put emotions aside when making financial decisions.

For now, we will continue to save money and live it up a bit. On a bright side, I am soaking the sun as much as I can in this beautiful February Florida weather.

Pay day

February 14th, 2018 at 08:29 am

Pay day for us today; here is the rundown:

$150.00 to Roth IRA
$125.88 to mortgage principal
Pay quarterly property taxes Frown
$300.00 to savings

We are doing great following the bare bones budget. I will not include my trip expenses since it was planned way before deciding to follow a strict budget.

Meals

February 13th, 2018 at 05:19 pm

My DS#2 and my hubby will be home on their own for four days. I really don't want them to spend too much money on take out so I left three dinners in the fridge for them to reheat in the microwave. They can order pizza on Sunday and God willingly, I'll be home on Monday.

I am looking forward to the Florida sun and it seems like the weather will be nice.

Update

February 10th, 2018 at 03:02 pm

-Mini Lofty Savings Goal Part II is 30% funded.

-Our quarterly property taxes are due on Monday to the tune of $1800 Frown.

- Headed to FL on Wednesday; real estate market seems to be a seller's market as it is here in New Jersey. I am going to check things out but in a perfect world, we would like to pay for a house using cash. It seems like we are short of that $60K. Let see what happens; the purpose of this trip is to feel the market and we are not buying anything yet. In the event that a move is not possible; here is the plan...

This month, we are running a bare bones budget (mortgage, property taxes, HO insurance and household bills). We want to see if I can leave my job and live on much less than my current salary. I really need out as it is taking a toll on my health. I am prepared to do what it takes to feel better about where I spend eight hours of my day.
Let's see what happens.

My Seasonal Affective Disorder has been better this year so far. I just had a few days when it was very difficult to function. I am eagerly awaiting for Spring to come. Looking forward to the Florida sunshine.

Retirement Milestone

February 1st, 2018 at 08:19 am

As you may already know, I did not start contributing continuously to retirement accounts until I was in my late 30s. Ten years later, I finally hit the $100K mark (not including what I already have in a state pension). I'm hoping this amount is not short lived but I am super excited about making a small dent on retirement category.