Today, we met our savings goal. I have two more paychecks to go and I'll be in the "poor" house. As it turns out my husband was not eligible to receive retroactive pay after the contract was settled. It stinks but we are not bummed about it. He will get his health insurance opt out money on June 30th. I will get my sick time pay out on July 15. My payout will go to the following: vet fees for my dog, the purchase of a patio set and grill. I think my husband's payout will go to advancing 4 months of mortgage payments.
Archive for May, 2019
I grabbed a bottle of pure vanilla at Costco without looking at the price. I paid for the things I bought and left. Three days later, while cleaning my purse, I came across the Costco receipt and I noticed something. I paid $29.99. for the vanilla; that's right, $30! It's funny, it's the same product I always buy at Costco. I am not sure if $30 is the price I've been paying all along but never noticed. It could also be that I am scrutinizing all receipts lately. My husband will be returning it today. I love the taste of the real deal, but not for $30.
I have my 50th birthday coming up at the end of the summer. Originally, my boys were talking about a big 50th birthday bash, but I do not like any attention on me. I thanked them and turned it down. I then proposed that they buy me the laptop and take me to my favorite coal oven baked pizza and meatball restaurant with my best friend. They agreed! Honestly, it is way more economical to do this than to throw a party. The reserves in my laptop fund will not go to other things I need. Win, win situation for all.
I opened an account with Vanguard on Friday and I will be rolling over my 403B to a traditional IRA July 1st.
Well, that's it! To all my fellow Americans, have a great Memorial Day.
I wrapped all of the coins in my coin jar. I refuse to let the bank keep 5% if I use their coin machine. My husband helped me and it did not take long at all. In all, I had $73. I will add that to the laptop fund.
$258 saved, $452 to go.
It is a short work week for me since we have an extended weekend for Memorial Day. I am pumped! We are attending our town's Memorial Day Parade on Monday.
I am excited to say that we are only $760 away from meeting our savings goal. It is our last effort to save as much as we can as our income will be reduced drastically at the end of June. We should be able to meet the goal next pay period. We returned a big ticket item to Costco because we were not satisfied with the product and we got $850 back. We buy a lot of things from Costco from food to household items, mainly because of the excellent customer service and no hassle returns.
I started my garden and I hope it goes well this summer. Just some tomatoes and romaine lettuce. I may add some peppers and cucumbers.
We have $1610 to go to meet our savings goal. I have a written game plan that I am following religiously and it's paying off. Three more checks to go and I am done with work. I'm already submitting applications for substitute work.
We got an estimate to screen our Florida house lanai. That's going to cost $800 but it's worth it. I am also purchasing a Dyna Trap (mosquito and insect trap). It covers an acre a property which is a lot less than we need but I guess our neighbors will thank us. I'm buying this at Costco for $120. It has many positive reviews and I hope it works.
On another work news, my husband should be getting some retroactive pay since the contract has been finally settled. I know it's not much since he is a low wage earner, but every little counts. He will get retro pay for any overtime pay as well. This money will go to the laptop fund. By the way, I added $100 to the laptop fund and it now sits at $175. $525 to go.
My allergies are taking a toll on my well-being. I may go to the doctor on Friday if nothing changes.
MURPHY MAY BE VISITING AGAIN! We may have to replace our washer if my husband deems not worth of repair. I'm not going to complain; we bought it used for $200 and we've had it for 10 years or so. This year so far, we've replaced two water heaters and now the washer(maybe).
How's your week going?
I've establish a Laptop fund. I'll need to buy one as I am losing my work one at the end of June and all we have is a mini iPad at home. I don't need anything fancy, but I want to get something that will help me make a bit of money (word processing).I am going to try to create resources for Spanish teachers and sell them on Teachers Pay Teachers. I am also thinking on making money translating documents since I have experience doing this. If I get any cash for Mom's Day, I'll put that money toward this fund.
Laptop Fund Goal: $700
To date: $75
I paid our quarterly property taxes today since it was the last day to pay without incurring interest, $1,850.00. Yes, I live in New Jersey (high property taxes). It used to be more, but we sold our house and moved the the neighboring town with lower property taxes.
Payday is next Wednesday and I should be able to bump our savings a bit more. Still working on meeting our savings goal. I am going to start applying to sub from September-December. As it turns out, the paperwork for subbing is lengthy.
Is anyone else suffering from horrible allergies? Mine are through the roof, watery eyes, congestion, scratch throat and low energy.
Well that's it! To all the mothers (or anyone playing the role of a Mom), HAPPY MOTHER'S DAY!
Quick update: We received our tax return refund which I immediately transferred to our savings account. As of today, we need to save $3,060.00 in order to meet our savings goal. The savings deadline is June 30th; I am crossing my fingers that we can meet the goal by then. ;=)
It's Teacher Appreciation Week, please thank a teacher!
Three more paychecks to go until the end of my work contract. I submitted my resignation letter back in December in order to receive the contractual sick time payout of $60 per day and to be fair to the district as it is very difficult to find replacement for the subject matter I teach. The other day, a student told me that she's really going to miss me and I felt special. : )
Things are going to according to our plans with a few financial setback but nothing that we cannot handle. I'm actually glad that those setbacks are actually happening now when I am still producing an income.
We should be getting a health insurance payout at the end of the year since my husband opted out. I am not sure how we will handle the insurance and sick time payout. I am either paying a few mortgage payments on our Florida house or partially fund my Roth IRA.
$9K Savings goal:
As of today: $4,335.00
Lastly, I will say that the older I get the more grateful I've become. I am grateful for our frugal lifestyle that has allowed us to financially do many things I never thought possible. Our frugality was never perfect, but steady enough to keep us navigating choppy waters and persevere. Frugality is not for the faint of heart; it is a difficult journey full of sacrifices, but surely worth it.
Savings Goal by June 30th:
Savings to date:
Amount needed to meet goal:
Murphy is making its grand entrance lately. We had to replace the water pump on my car, which cost us over $400. It would've been double that but my husband called the dealer and managed to get the pump warranty because the car has low mileage and it should not go bad so quickly. Now the water heater in one of our rental apartments is faulty and it needs to be replaced. This is the second water heater we replace this year (different units). That's probably going to set us back about $800. Oh well!