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Laptop fund

May 20th, 2019 at 03:58 pm

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.

Savings update

May 18th, 2019 at 05:08 pm

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.

Payday update/Murphy?

May 15th, 2019 at 08:37 am

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?


Laptop fund

May 11th, 2019 at 07:02 am

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

Weekly update

May 10th, 2019 at 08:46 am

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

May 6th, 2019 at 09:22 am

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!

Update and Gratefulness

May 3rd, 2019 at 09:32 am

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 Progress/Murphy

May 1st, 2019 at 05:12 pm

Savings Goal by June 30th:
$9K

Savings to date:
$3,665.00

Amount needed to meet goal:
$5,335.00

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!

Update

April 28th, 2019 at 05:53 pm

I am slowly adding to our savings account in order to meet our savings goal before I stop working at the end of June. We need to save $9K which seems a lot to save in such a short time but I have a plan and I'm going to fight like heck to achieve the goal.


Goal: $9K
As of today: $8,326.00

Pay day is on Tuesday so I will be adding some money then.

We had to turn on the heat today since it is a cold and rainy day. My car's water pump had to be repaired because it was over heating. It cost $450 to fix it.

I hope you have a great week

Carelessness Stinks!

April 22nd, 2019 at 11:32 am

I can kick myself in the ass if I could. I've been paying $20 every month for a service I have not used since 2018. How can I let this go so far and take pride of my money managing skills? I finally cancelled along with a Hulu Live TV free trial subscription that was due to be charged to my credit card tomorrow. I vow to never do this again!

Update

April 20th, 2019 at 05:58 am

I am heading back home today after a very relaxed week in sunny Florida. I won't be back until late June. I am, however, looking forward to being back with my hub, children and fur baby. I missed them to pieces.

Income tax returns were filed with a week to spare before IRS filing dateline. I procrastinated since I really thought I would owe the Feds money with all the new tax changes. To my surprised, we did not owe the State of New Jersey like in previous years and we are getting $1,200.00 from the feds and paid $150 to have someone prepare and file for us. We will use that money to screen the lanai in our FL home and the rest will go to my ROTH IRA. I'm anxious to fully fund the Roth this year.

Thank you all who deterred me from rolling over my 403B to a Mangaged IRA. I am rolling over my 403B to my Roth IRA with TD Ameritrade.

I am going to look into substitute teaching as of September until December. After that, we are headed to Florida for the winter months and returning to New Jersey in April. I am nervously excited for this new season in our lives.

Happy Easter to those of you who celebrate it.


Car and Sun Oven

April 11th, 2019 at 06:50 pm

We were able to send my car to Florida Monday afternoon and it was delivered midday today. We used a broker to find us a good deal and it ended up costing us $450. Quite the bargain; the lowest quote received without the broker was $900.

About the sun oven...after much research, I opted to purchase the American Sun Oven from Amazon. Besides, wanting to save money on electricity, I really want to minimize my carbon footprint on earth. I am trying it for the first time next week and I'll let you know how it goes.

Update

April 7th, 2019 at 03:53 pm

Six more paychecks left for me and I am trying to keep a good percentage of my money to transfer to savings. In all, I am $9K short of meeting my savings goal. I will post about it until mid July as I am expecting a sick day payout then. My husband is also expecting a health insurance buyout in July as well. Let's see how far I can get. If by any chance there is a surplus, I plan to throw all of it to my Roth IRA.

We are finally seeing some good weather and we're on the third day with not having to heat up the house. I am hoping this is the end of it. There is still half tank of heating oil and that should last us until next November or early December. (Crossing my fingers).

I embarked in some frugal doings this weekend. I stacked digital coupons with manufacturers coupons to get quite a few cleaning supplies, coffee and toothpaste. I saved $21 in all. I also scored a free nice unused grater from the Facebook marketplace. No hassle and easy porch pick up in my own town.

Spring break is next week for me and I am off to Florida but I'll be back for Easter. I used United earned miles to book this trip back in January. The cost? $105 round trip and that's because I wanted to fly Economy and not Basic Economy. This will be my last trip until the summer.

P.S. I am doing research on the "sun ovens" and I am almost positive it might be worth purchasing one for our Florida home. Stay tune; more to come on this.

Help!

April 3rd, 2019 at 02:50 pm

I reached out to the guy who manages my 403B retirement account as I will not be contributing to it as of July. He suggested a managed IRA. Does anyone here know anything about it. I tried to look it up and it felt like I was reading another language. Help!!!

Quick update.

March 28th, 2019 at 02:35 pm

After tomorrow, I'll have six more paychecks. I've run some numbers and I need to set a goal to reach by the end June. I have a certain savings amount in mind that I'll surely love to meet.

Our New Jersey home mortgage is paid up until November and the Florida home until October. This will make our savings goal much more achievable.

Hub should get at minimum $200 in overtime pay this pay period. I will keep that money in the checking account for a cushion. My weekend FL trip was very nice and the weather was absolutely gorgeous. I am going back for Spring break (in April).

Thoughts on work

March 21st, 2019 at 06:07 pm

I have three months left to finally step down from my job. I am definitely glad the universe aligned with my plans because quite frankly, I am not sure I could have done this much longer. I don't want to be those type of teachers who are so burned out but yet have to stay because financially it would be a stretch to leave the profession. It is a disservice to the kids and self and I have integrity. I admit that my time as teacher has come to an end. When I first started working as a teacher, I thought I could change the world but that was quickly squashed to death. Yet, I hope that my students remember me as a kind and compassionate teacher. I would not mind working as a paraprofessional; do my job, go home and enjoy my life. Let's see what happens.


Finances are going as planned. My husband and I went to a seminar to learn more about applying for his pension. Mine is pretty straight forward since it will be differed until I turn 60 years old. I will take a 3% penalty for three years until I hit 55. Oh well! The presenter was very good and I'm glad we went. I am escaping to sunny Florida this weekend for some "me" time.

Help me decide

March 5th, 2019 at 04:59 pm

Two things I am pondering:

What to do with my 403B as of July 1, 2019 when I can no longer contribute through payroll deductions? Roll it to my Roth IRA? Is there a better option?

My husband's truck is a 2008. We still have full coverage insurance. When does it makes sense just to have liability insurance on this vehicle? We looked it up and it's worth between $5K-$7K.