<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Archive: July, 2019
 

Archive for July, 2019

Payday update

July 30th, 2019 at 06:28 am

Pay day today for my husband. Thank God for the extra overtime, check which was close to $550 net. I paid half of what is owed on the credit card, made a $150 contribution to my Roth IRA, transferred some money to the savings account and left a little bit to cover groceries and smaller bills. I'll make the February 2020 mortgage payment the first week of August.

I haven't heard from the interview for a teacher's aide position. I am guessing it will be a while (closer to the beginning of the school), meanwhile I will seek other part-time job opportunities.

Weekly update

July 26th, 2019 at 08:22 am

Nearly 5 years ago (when we bought our current home), we bought all new stainless steel appliances on Black Friday at Lowe's. The dishwasher, stove and microwave oven are GE brand. Unfortunately, we were not able to get a GE fridge and opted to get a Samsung. It's a beautiful french door fridge with the center tray and duo cooling. Well, nearly 5 years into it, the top part of the fridge is not working. However, thhe freezer and center tray are working.

We called Samsung to see if any of it was still under warranty. We encountered nothing but really bad customer service. A sassy customer rep and a husband with a quick mouth are recipe for disaster. Anyway, it occurred to me that we did get an extended warranty and my husband called to see what was covered under the warranty. The customer rep was very pleasant and helpful. Since, he could not get us a repair person until late next week he said he was going to put a claim in so that we could get back what we paid for the fridge and taxes. Well, a day later, the claim was approved and we are getting a refund for the purchase. They also do not want the fridge back. My husband will try to fix it or will just go out and buy another fridge. If it can be inexpensively fixed, we'll put the refund money aside in a sinking fund for future use.

Fortunately, we've been able to add to our savings account despite the loss of income. It helps that the mortgage is paid until February of 2020. I did make the February payment with my sick time pay out though. The goal is to keep and add to savings despite of the significant income reduction.

Sick-time payout

July 18th, 2019 at 08:21 pm

I finally received the check for sick time payout from my former employer. I am using some of it to pay the remainder of this month's credit card bill (which we pay in full at the end of the month), some will go to savings, $150 to a Roth IRA contribution and about $200 will remain in the checking account.

Payday update

July 15th, 2019 at 09:20 am

Today is payday for my husband. I did a sweep of what was left in the checking account. No much left ($50) and added what he earned in overtime pay and transferred that to savings ($330). I want to continue saving money even though our income is a heck of lot less now. I don't want to lose the saving habit. Smile

I also made a Roth IRA contribution of $150 and a credit card payment of $700. We have just enough to cover some small bills.

I have an interview a week from Thursday for a part-time Special Education teacher's aide. I don't want to be a teacher (if I can help it). Let's see how that goes. We are returning home on Sunday and after that my time will be spend taking care of my Mom as she recuperates from surgery. I'm so glad to have the time to care for her.

Grocery budget and other things

July 8th, 2019 at 07:27 pm

The grocery budget is $50 a week, excluding cleaning supplies and dog food. I spent $46 at Aldi today but I have to get bread. I have plenty of dog treats and food, cleaning supplies and laundry detergent in my stock pile.

My husband and I will be away for a little over a week soon. I bought plenty of food the last time I was in FL, so food purchase will be at a minimum as we plan to do all meals at home. We will be spending a bit of money getting home and going to the airport on Uber. We arrive late and will leave early and I don't want to bother my brother. He works two jobs and asking him to pick us up would be selfish.

Savings/Roth/UFMC

July 4th, 2019 at 07:17 pm

I (we)have $200 to spare this pay period and I'll put this money in our savings account. I am grateful to be able to put something in our savings and increase it even if it's smaller amounts (smaller than we are used to). I scheduled a contribution to my Roth IRA for July 15th. Fortunately, my husband has worked overtime and I felt like we could spare some of the extra money to fund my retirement account as much as we can.

Uber Frugal Month Challenge:

July 1st-Spend day
July 2nd-Spend day
July 3rd-No spend day
July 4th-No spend day

Midweek update

July 3rd, 2019 at 05:45 pm

I have a friend who is sells a specific product on Facebook. I've purchased only one time because it's not something I would use regularly. She keeps sending me offers and I was really honest with her and told her that my budget is super tight and I am not able to buy anything. She replied by saying that she understood. When your financial situation changes it is best to tell people and be honest. I am hoping she won't send me any other promotions.==

I took all the paperwork/application to a neighboring town public school. I am hoping to have something set up for September. The mortgage on our primary residence is paid until January of 2020. DS#2 is paying the property taxes. I am also taking advantage of lower summer heating oil rates to fill up the tank.

I hoping to be able to harvest some tomatoes by early next month. I'm on my second romaine lettuce harvest. We also picked up the tumbling compost bin that we got from freecycle.com and it's so nice. Nothing wrong with it!