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Archive for September, 2019

Roth IRA Shortage/Game plan

September 19th, 2019 at 05:02 am

I contribute $300 a month to my Roth IRA, no easy feat, but I make it a priority now that I am no longer contributing to the 403B retirement fund. I ran the numbers and I will be short $1,450.00 by April in order to fully fund it ($7000). Yesterday, I paid $100 towards the deficit and I will continue to do that whenever I can to minimize the shortage. If for any reason I fall short, the shortage will have to come out of savings.

It is nice to evaluate the numbers on short and long term goals.

Payday update

September 15th, 2019 at 06:35 am

I received my payroll check from my new part-time job. There is a pay rate error that does not benefit me, so I already sent an email to get it rectify. Nonetheless, I am so happy to be able to make some money to keep us afloat. We are still blessed with hubby working about 20 hours of overtime pay every pay period. I may add that so far, I am really enjoying my new role as a teacher's aide.

I paid some bills, contributed $150 towards my Roth IRA (main goal) and saved a little bit of money. Any money that goes into the savings account is a victory in my eyes. Smile

My 50th birthday celebration was awesome. My favorite gift? An orchid. I just hope I can keep it looking as beautiful as it is now. Lots of gift cards which are greatly appreciated.

Autumn is in the air in my neck of the woods and I love it. Autumn is my favorite season of the year as I love everything about it including the cooler temps. I am so excited for apple/pumpkin picking, apple cider donuts, hay rides, fall colors, leaf piles, Thanksgiving, etc.

Then comes my least favorite...winter!

Truck and other things

September 7th, 2019 at 07:01 am

My husband's truck was totaled by the insurance company, as we suspected. The adjuster said that it has a bent frame. On the bright side, the insurance payout was more than we had anticipated. We think it was because of the truck's condition and low mileage. Anyway, we are moving forward with a used replacement SUV or truck.

Husband has been working a lot of overtime hours at work. He's tired but mentioned that he's taking advantage of it now that the hours are available.

As you might remember, I'm trying something different with grocery shopping. I'm buying all the groceries we need at the beginning of the month. I've allotted $25 a week for dairy products and fresh produce. I saved $25 this week because no dairy/fresh produce purchase was necessary.

That's it for this week. I hope you all have a good weekend!

Schedule

September 5th, 2019 at 04:52 am

I'm enjoying my work schedule. I start a little after 9:00 and done by 2:40. I have a 5 minute commute unless I get stuck behind the New York City bound train signal. Did I mention how much I enjoy not having to think about lesson plans, grading, observations, etc.?

It looks like this may be a temporary job as we are moving forward with spending winters in Florida. We want to give our plans a fare shot and see how we acclimate ourselves to the changes.