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April 2nd, 2022 at 09:35 pm
We recieved our dividend check from Louisianna Pacific for .70 last week (I think) and the interest income from C1-360 was $4.81. I also had $15.50 in rolled coins. I haven't checked the other two accounts but they are generally pennies. I'll do that later. Anyway, altogether that made the deposit to the Emergency Fund $21.01. We've already hit six month's expenses, so now I am working on hitting one year's expenses, but slowly. I've other things to save for.
$20,264.50 Starting Balance
$20,285.51 New Balance
They haven't dropped this paycheck's contribution into the retirement account yet, but last payday's finally showed up. With all the OT DH's contribution was around $1450, but it has gone up by $2639.45 since last I updated, so finally starting to make some gains. The 401K is only down by 5.08% for the year, instead of 11%, so that's something. Not sure on the IRA, but it hasn't moved much if at all in the past two weeks. It's still down by around $700 from it's high. So the new retirement total is $75,104.61.
That means NW is up by a total of $2660.46 between the EF and Retirement. The new net worth is $133,303.40. It's nice to see some real progress again.
I'm not going to add it in to Net Worth, but just for fun I checked to see the value of our vehicles again. I had checked at the start of January to see if it changed our net worth and it was steady. Well, when I checked it yesterday, the value of our van (54,000 miles) has gone up $2000 and our truck has gone up $500 (288,000 miles). Toyotas are of greater value due to even higher demand than at the start of the year. At least in my area. I wouldn't have even looked, but we were checking prices on used Camry's for when my son has enough money saved, just to know a ballpark to save for, so since I was on there anyway I took a look and was quite pleased.
March 25th, 2022 at 03:22 am
I got my AdSense payment today, $104.20. I haven't even made a youtube video since May, I think, but I have two old vidoes that always chug along at the top of my views. I haven't decided what I am going to do with it yet. I've kind of lost my mojo at youtube, but maybe that will come back when it is time to start planting in the garden again. I've thought about using it to upgrade my video editing software, but I don't want to waste it if I don't resume making videos. I probably will, though. I just need to get on the right dosage of anti-depressants and I will start caring about things again.
Oh, and Amber, if you are reading this, congratulations on all you have accomplished. I don't want to deal with the pain in the butt captcha today to leave a comment.
March 2nd, 2022 at 01:22 am
Now, after that long-winded post, this one shall be short and sweet. My saving accounts earned $4.32 in interest, so I will add that to the EF, bringing the Emergency Fund to $20,216.53 and Net Worth to $129,889.79. I decided to dump the interest into the EF because it is easier than anything else, and I do want it to eventually grow to a year's expenses, which I will be rounding to $40,500. Long, long, long term goal is a year's income. But that is not the priority right now.
December 5th, 2021 at 12:17 am
$18,977.92 Beginning Balance
+_____4.30 Interest Income
$18,982.22 New Balance
That brings net worth to $125,691.86. But not really because retirement is in freefall right now due to all the bad news coming out of this administration the past couple of weeks with the economy and the new Covid variant and possible lockdowns again, but I'm not going to deal with updating that until year's end because it might still recover. I hope next year is better and they can get the economy back on track. I am no fan of Biden, never have been, but I never want a president to fail because it means the country fails. And it wrecks the stock market. I think we've lost about $2000 in the last four weeks and that is with putting in just over $1500 in that time period.
I have to recalculate at year's end anyway, because I'm not sure what the vehicle values will be at that point. The truck has been holding steady for the last couple of years. The van seems to be going up in value, which is weird, but maybe it is because used Siennas with very low mileage are of such value right now.
October 2nd, 2021 at 02:36 am
I'm not sure when we will be getting the $10K from MIL, but it will be before the end of the year and this is what I've come up on.
$3000 Emergency Fund
$2000 Adjustable King Size Bed Frame
$_600 Vacation Fund
$1000 Household Replacement Items
As for items that need to be replaced in the household, DH and I both need new desk chairs and possibly DS does, too. DD just had hers replaced not that long ago and it is still in really good condition. Then the other thing I'd like to replace is our kitchen sink faucet. I want a taller faucet that rises much further above the sink, maybe even with the pull down sprayer. If there is any money left after that I'd like to also get a new shower head/sprayer. I'd like something with more flexible tubing on the sprayer. But that can come out of regular household money if necessary.
July 3rd, 2021 at 10:47 pm
$16,455.44 Starting Balance
+_____4.43 Interest Added
$16,459.87 New Balance
That pops net worth up to $112,480.56.
March 20th, 2021 at 05:43 am
$13,325.73 Beginning Balance
+__,_37.49 Allstate Safe Driver's Refund
+__,___.51 Lousianna Pacific Stock Divident Payment
$13,363.73 New Balance
March 18th, 2021 at 02:56 am
My husband, son, and I spent a few hours working in the garden before the son went down. My son was weeding the strip beside the house where we will be planting the blackberry bushes. He got a 4 x 2 foot area and a 4 x 3 foot area weeded. These are the nasty weeds that are really hard to get out because they have runners.
My husband got the garden bed empty that was so heavily invested with morning glory. The root structure in there was unbelievable. The three sides to the bed still need to be taken down, but he was beat after that, so that is a project for the next nice day we have. It's supposed to rain tomorrow but be overcast only on Friday. And then rain for the forseeable future.
I was working on digging up and dividing strawberries. It took me about 3 hours, but we have quite a tidy amount to sell and I've expanded the ones we are keeping to fill a 12 by 4 foot garden bed with four rows. I filled 4 garbage cans that I grew tomatoes in last year and then 3 more containers. There will be lots of strawberries this year for fresh eating, jam, and freezing. I should be able to sell 4 dozen plants at a dollar a plant.
I'll be able to divide both my peppermint, lemon balm, thyme and spearmint this year. And I've got some more fennel volunteers that can be sold. And I can divide my bee balm and plant it in a couple of locations. We will also be selling raspberry plants because we have way too many plants based on how many people actually eat raspberries. We will keep a few of the thornless ones and plant them in a different area away from the fence, so we can see if the morning glory starts creeping over from the neighbor's yard again and do something about it before it gets into ours.
I got a check in the mail today from Allstate for the safe driver's refund. It's for $37.49. I will deposit it on Friday (payday) and send it to the EF. I am starting to think maybe we will hit the original goal for the EF for this year after all. Wouldn't that be something?
March 17th, 2021 at 10:22 pm
In the first time in forever I have a large deposit to make to the EF. This is a portion of the stimulus we recieved.
$11,325.73 Beginning Balance
+_2,000.00 Amount Added
$13,325.73 New Balance
March 13th, 2021 at 01:46 am
Our income tax refund of $809 was deposited into our account on Wednesday and I just checked and our stimulus payment is pending for next Wednesday. We got the full amount for us and our dependents of $5600. That's $6409 to work with. This is what I am planning.
$641.00 10% donation to the local Christian Homeless Shelter
1350.00 Handicapped Ramp Fund
1000.00 Vacation Fund
_500.00 Meat Fund
_500.00 Miscellaneous Fun
2000.00 Emergency Fund
That will leave us with $418.00. I am not sure DH will get all of his hours in this week. They are having a cyber security issue that isn't allowing anyone to work online. He is doing what he can and saving it to his hard drive, but there is a lot of sending around of drawings for checks that can't happen if you can't send them around or can't even send them in to the office to be printed out because of this. So I will be holding on to that money in case the paycheck is short.
This will finish off the Handicapped Ramp Fund so we will be able to order one for the front door. Our share is $1750. This one is twice as much as almost triple the amount of the back door because it will go down the frong of the house from the steps, then there will be a platform for a turnaround and it will go all the way back the length of the first ramp to the ground and end in front of the steps. It's a lot of money, but these ramps don't have to be maintained like wood ramps do. It mostly just needs to be swept periodically and pressure washed a couple times a year since it is aluminum. Wooden ones will rot out on the pilings after five to ten years, so those would have to be replaced frequently) and would require staining or repainting every few years.
It will nice to have a good bump in the Emergency Fund and to pay for a little vacation for DH and me to get away to the cottage by the sea we've gone to twice now. He will be taking several days off in April. Part of them will be spent getting the garden up and going and then we will go away for a few days.
MIL is talking about taking us on a family vacation by the water as well. It probably wouldn't be until September or October, after the summer is done, but still nice enough out to cook on the BBQ and walk on the beach. And soak in the outdoor hot tub.
DD wants a web cam. She is the only one who doesn't have one, so we are going to pick her up a cheap one. She starts online therapy next week, so this way she can do it in her own room instead of mine and with my laptop. Her brother was just diagnosed with ADHD and we think she has it, too. But it is a process. First counseling, then a psychologist, and then the psychiatrist who can prescribe meds.
I also think I might have it. Girls and women present differently than boys and men do, but as I was filling out all the forms during DS's drug trial I felt like I had a lot of the same issues. Each week we had to fill out a sheet based on symptoms during a four week trial of adderall. Except it was a blind study so two weeks were placebo, one week was 5 mg and one week was 10 mg. He had to fill out his own forms based on his opinion and I had to do one based on mine. Every time I filled it out, I was thinking I really have a lot of this stuff, too. I always thought it was the fibro fog and the last brain injury, but now I have to wonder.
So once we DD gets through all this, I am going to talk to my doctor about it. I've been thinking I might be needing anti-depressants again for a while. I haven't needed them for about 15 years and never needed them for more than a year at time, but I kind of feel maybe I do. Or maybe it is just fibro. But I'd like to see about it, you know? Because it is not normal to want to stay in bed and sleep all the time, even with fibromyalgia and rheumatoid arthritis.
February 3rd, 2021 at 10:35 pm
$11,551.02 Previous Balance
+__,__2.49 Interest Added
$11,553.51 New Balance
January 20th, 2021 at 02:42 am
I didn't get my debit card back in my wallet last week when I made my second seed order. I noticed it was missing last night when I went to place my third seed order. It scared me quite a bit at first and then I realized there was no way I had taken it out of the house. I completely dumped out my purse and went through everything. It was not there, although I did have $1.37 in change at the bottom that I put in the coin jar.
So I ended up organizing my desk, mostly. It had gotten ridiculous with papers that needed to be filed, shredded, or recycled. It's still a little cluttered, but ten times better. I did not find my debit card on my desk, but I did find a $5 bill and then about a half an hour later a $50 bill. The $5 was just loose, but the $50 was in an envelope system that was battered and I had replaced, but not thrown out. It was in the restaurant envelope, if anyone was curious.
I am glad I decided last minute to check all the envelopes. I was thrilled. I took that $55 and added it to the Beef Envelope, so there is now $120 in there. I can't believe I almost threw that $50 away. If it wasn't for that little voice that said check it, check it, check it, I would have.
Finally I cleaned out underneath my desk. It wasn't bad, just a few papers that had slipped between the wall and my desk and ended up on the floor. It was not there, either. So then I picked up my foot board. All of my height is in my back so in order to be comfortable in a computer chair, DH made me a two foot long by one foot wide foot board at the right height for me to be comfortable. And that is where it was. It had slipped down the back of the desk and wiggled its way under there.
I was so relieved to have found it. Tomorrow I will work on my desk some more, but tonight I need to shred papers. I don't want to build up again like I did and have to do a massive shred fest like I did a couple years ago. I've been generally good at staying on top of that, but when you pull muscles in your back, you don't worry about your paper pile getting larger. You do the bare minimum until you can function again. Which is about where I am now.
I am feeling the bug to organize, to clean, and to work out in the garden. We have had lovely sunny days without ran in the middle 40's. It would be perfect weather to go out and pull the corn stalks and the dead bean vines and get the posts dug out. We are totally revamping the garden and everything has to be cleared away so we can build the new beds. I don't want the growing season to get away from me. I think it would be good to get outside and move my body and it would be good for DS, as well. He's feeling quite the large amount of cabin fever right now. Being outside does help mitigate that.
January 3rd, 2021 at 12:11 am
I checked my bank account this morning and to what should my wondering eyes appear, but a pending stimulus payment. DH and I got $1200 together. I'm a little disappointed that they couldn't get their act together and do the $2000, but free money is free money. That will go into the EF, minus the tithe, and that will put us at a little over three month's expenses. I plan to continue to save for six month's expenses, which will take to the end of the year or thereabouts. Eventually I'd like six month's income and not just six month's expenses, but once expenses are met, I'll probably cut the contribution in half so we can save for other things, but still push forward.
We also made sure our retirement account was set to15% for 2021. DH had done it once but it didn't take. So we did it again and this time got to an end screen he didn't get to the first time. I will make sure I check it again before payroll hits.
I did the numbers and between what we will contribute and what work will contribute (2.5%) it'll be a little over $20K this year. And that doesn't include company stock. If DH works until 72 and we get the same average rate of return as has been going for the last 20 years with the funds we are in, we should have 5.5 million. If we max out it'll be a little higher. If he can only work until 65, we still max out a little over 2 million. That's assuming no raises that will allow us to max out our 401K. Gives me hope that our disabled daughter will be well taken care of and that there will be an inheritance for my son, too.
And that's only if we don't put anything into the IRA. If we can contriubte to it this year that would be amazing, even if it is only a little bit. But I think if possible we would max out the 401K first, which would be an additional $2000 to what we are putting in. That might be a big enough stretch on its own.
DH's work is considering doing something where if you work overtime, instead of getting paid overtime, the hours worked can bank for extra paid vacation time or can bank for a quarterly payout, or do half vacation time/half quarterly payout. Since the project he is working on does not authorize overtime, this would be a way to actually work it, but get a different way of paying out. Normally it is only offered to salaried employees, not hourly, but he is doing the work of a salaried employee. I think they are putting it to a vote when everyone comes back from the holidays.
I am all for it. I'd like extra paid vacation and an extra payout, so we would do 50/50 for the first quarter and see what that looks like. And of course extra hours worked already means extra sick leave banked, since it is based on that at his work. While straight OT is better than anything, that just won't be an option this year. I guess we just have to wait and see how things play out.
October 30th, 2020 at 07:12 pm
I got my Google AdSense payment this week and that, along with it being a third paycheck month for DH, brought our income around $300 higher this pay period. Citi is so high because DS owes me some money for an order he made, which he will pay me later, but I wanted to pay it off before the due date hit so no interest. When he pays me back I will put that money into the Emergency Fund. Another reason Citi was so high was we got a lot of takeout due to my being sick. Nearly every day for 2 weeks. Ouch. But I believe in tracking honestly so there you go.
_400.00 Grocery Envelope
__75.00 Household Envelope
__71.99 DH Life Insurance
__60.46 Me Life Insurance
_100.00 Adult Spending Money
_120.00 Kid Spending Money
_100.00 Gas Money
3483.18 Total Money Out
July 1st, 2020 at 11:55 pm
$7846.98 Balance Forward
+___3.81 Interest Income
$7850.89 New Balance
June 15th, 2020 at 01:50 am
I just went through yesterday's mail (I quarantine mail for 24 hours) and received a refund check from one of my doctor's offices. Quite a hefty check, too, of $208.44. I will take that to the bank tomorrow and deposit it into the medical fund. At first, I was thinking about just putting it into the EF since it would have put me above $9000, but since it originally came out of the medical fund, it should go back in there.
It's pretty low and it is time to start rebuilding it for next year since we finally hit the out of pocket max for our insurance. We do still use it to buy our OTC meds, too, so it definitely needs a deposit or two to keep up with that anyway. I put in $300 on payday, so this will be an even nicer cushion for that account.
MIL hasn't given us a check so far this year so I don't know if we can rely on that at all to help get it back up for next year's deductible and out of pocket max, but I am hopeful that she will. It might not be until Christmas, but the last couple years she has given us one in June and one in December. DH hasn't talked to her about it, so I don't know if it will happen and I can't rely on it. If it does it is a nice bonus. That's the only way I can think of it.
Even if she does give us a check, I might just dump it into the Emergency Fund anyway and just continue to add our own money into the medical fund. It would give us a big boost on getting to where we are going with the EF. It would be nice, but we can't expect it every year.
May 1st, 2020 at 11:07 pm
$7806.29 Balance Forward
+___1.88 Interest Added
$7808.17 New Balance
April 23rd, 2020 at 03:13 am
My Google/AdSense payment was deposited into my account yesterday. I wasn't actually expecting one until next month, but I must have done better on YouTube during March than I thought I had. I know my two virals were getting hit a lot because there were tons of new comments. Wasn't expecting such old videos to get so much interest. They are the ones on making homemade sausage seasoning and making and canning homemade mustard. I have a very small channel, but I still manage to make about $500 a year with it and that's with putting very little effort into it.
$7806.29 Balance Forward
+_123.92 Deposit Added
$7930.21 New Balance
$2069.79 to go to hit my next mini-goal.
April 16th, 2020 at 03:16 am
I moved our stimulus payment to the Emergency Fund and also one of the accounts finally posted interest so I am adding that as well.
$4405.64 Balance Forward
+2400.65 Amount Added
$6806.29 New Balance
I am now over the one month of income mark in the EF by $257.05. To reach my mid-term goal of two month's income, I need to save an additional $6292.19. My short term goal is $7500 and I have to save $693.71 to reach that. The next short term goal will be $10K.
Of course, those are all goals, which we can only maintain if DH continues to work. So far he seems pretty safe, but that doesn't mean it will remain so. We are saving as much as we can starting with Friday's paycheck. If DH ends up getting furloughed at some point his employer will continue to pay their portion of medical for two months. But he is pretty vital to keep the company going, so as long as the company doesn't fail I think we will be okay. It really depends on how long this quarantine business lasts.
DH only had to work one week at 32 hours. They are allowing 40 hours this week. So this paycheck will have the hit on it, but that is okay. I've planned for that loss of income.
April 3rd, 2020 at 08:27 am
$4405.64 Balance Forward
+___2.32 Interest Added
$4407.96 New Balance
March 6th, 2020 at 03:25 am
$4364.77 Balance Forward
+___2.87 February Interest Added
$4367.64 New Balance
January 21st, 2020 at 06:58 am
I made two ebay purchases today totaling $102.43. Quite a bit is shipping, but with ceramic and glass that's a given. They have to wrap it thickly and individually. I have a discontinued dinnerware pattern that I have been slowly adding to as I find semi-reasonable prices. They are never going to be completely reasonable since you can't get it anywhere but the used market, but these ones were much better prices than I've been seeing. I have been watching for about two to three years.https://www.aerogarden.com/farm-xl.html
So I got the salt and pepper set (light wear on the bottoms) and 8 16 oz tumblers that had never been used. I have been searching for the glasses a lot longer than the salt and pepper set. I used to have four but they all got broken over the years. I would like to get 4 more after these come if I can find a decent price. They have more, but not with reasonable prices. The glasses will only be for special occasions, not for every day use. This comes out of the household budget.
I got my Costco membership 2% back certificate today. It is for $89.69. I also got an email today saying my Costco credit card rewards check was coming as well, which will be $415.54. That's a total of $505.23. The Aerogarden Farm Plus XL
costs $499.95 so that will be enough to cover it without dipping into my upcoming birthday money. Since I am downsizing my outdoor garden due to my autoimmune diseases making it hard for me to do things, I will be growing lettuce and herbs and a couple cherry tomato plants inside this year. Maybe a cucumber as well or a jalapeño plant.
The outdoor garden will be down to 3 raised beds and have strawberries, green onions, my big rosemary plant, zucchini, radishes, and peppers. Maybe kohlrabi. We may grow green beans in the ground, but I am just not sure. I will still have my bee balm, yarrow, echinacea and calendula in the trash barrels. Then they are contained but still have plenty of root room. They are all spreaders so if not contained will take over. But they are my favorite for making a mixed herbal tea.
I still want to grow what I can however I can despite my limitations. Fresh veggies are so important and this way I can have them year round, too. I have had a good experience with the smaller system and the fertilizer is organic. And I can grow all the lettuce I need without worrying about recalls and food poisoning, plus have a bigger variety than what is available in the supermarket. One day all I may be able to do is grow inside from a wheelchair, but hopefully that is a long, long way off.
December 12th, 2018 at 12:34 am
So DH's end of year bonus will be $1600 in cash, but that is before taxes, so not sure what it will be afterwards. Bonuses get taxed weirdly, I believe at 25%, so we'll only see $1200 of that, though some of it will come back in our tax refund. He will also get 1 percent of all wages earned put into his 401K with 100% matching, since we haven't hit 5% of income on our own yet. That will only be based on his earned wages since becoming a permanent employee, and he became one in July, I think.
His last paycheck says he has earned $37,192.50 since becoming a permanent employee, and it is probably going to be calculated after Friday's paycheck. So we should end up with something over $800 extra into the 401K. Nice little chunk of change. It's been a few years since DH has worked with a company that did bonuses. If it is calculated after the last paycheck of the month than it will be closer to $1000.
My cold seems to have moved up into my head now. After driving yesterday I decided I don't want to drive today in the storm we are having. I thought I was ready to drive yesterday, but I had trouble focusing and ended up running a red light. Thankfully it was at an empty intersection and no cops were around. That is the first time in my life I have run a red light. So clearly I am not clear-headed enough to drive yet. I will wait until Thursday before I try again assuming the cold continues to vacate the premises and I am not a dizzy-headed mess.
Tonight for dinner I am making beef pot roast in the Instant Pot, steamed potatoes in the Power Cooker XL, and broccoli in the microwave. No baby-sitting, no fuss, very little mess. It is nice having two electric pressure cookers when I don't have a stove. It makes things much easier for me.
I hope I am with it enough by Friday to do the banking and the grocery shopping. We are getting low on some items and with DH heading out to MIL's after work to work on cleaning out her attic and garage, he isn't able to do the shopping either. I'm making due, but it would be nice to have fresh greens again. I have enough potatoes, carrots, and plenty of onions to last the rest of the week, and I have canned green beans, and there are oranges and apples, so we won't go without. But it isn't salad. I might have cabbage, though. I could do cole slaw instead if I do.
I have a ton of canned, frozen, and freeze dried foods, but sometimes you just want that fresh produce factor in the middle of winter. We are getting low on bread and milk, though I think it will just make it to Friday. I am meal planning carefully, but I think we will pull it off okay.