<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Category: Medical Mortgage
 

Viewing the 'Medical Mortgage' Category

Figuring Out the New Budget

March 22nd, 2019 at 01:55 am

The paycheck hit the account early. Usually it isn't in there until eight a.m. So I went ahead and did the budget for the end of March (and what I didn't do out of last time's paycheck because I was sick) and then closed out the budget for the month. After that, since this paycheck did have the new amount with the raise on it, I changed my budget template to account for the increased money and then I set up the April budget.

So it looks like we will have $1177.54 more in each paycheck. Now some of that will go to increasing the tithe amount to keep it at 10%, but the rest is all going to be thrown at the monster mom loan. If we are careful, I should be able to make payments of $700 the first payday of each month and $1300 the second payday of each month. At least barring any unforeseen circumstances.

I would have actually been able to make a $1000 payment this time, but I doubled the clothing budget as DH ripped out yet another pair of pants. He does this by getting down on one knee and then stretching forward to pick something up. I tell him not to do it, but he keeps doing it. And it always rips outside the seam so it can't be repaired. So he needs to get a couple of pairs of pants, DD needs a new cardigan (she gets called so easily even when it is warm out), I need a new cardigan and possibly a couple t-shirts. I need to go through my closet to be sure, but I think I need at least two.

I paid off the credit card (which I do monthly), but it was high this time because of all the take out while I was super ill. So if not for that I would have been able to make a $1300 loan payment this payday.

I am feeling a lot better. I still have a runny nose and a cough, but I have been able to sit up all day for 2 days running, and I was able to make dinner three days in a row now, so there should not be anymore take out, except for the weekly meal that MIL pays for if we choose to have it.

I am still not super hungry. The flu really killed my appetite. I've lost 17.4 pounds total since the 6th. Not on purpose, but I'll take it. I am up to one meal and one snack a day, but will try to get up to one meal and two snacks tomorrow. But eating is still a chore. But I really need to make sure I am eating at least 1200 calories.

I went grocery shopping today. Just one store and I used up the rest of last payday's grocery budget. I will do more shopping tomorrow with the new grocery budget. I figured it would be easier on me to just do one store today and one store tomorrow, than try to do two or more stores in one day. I don't have the stamina for it. I did make it through the shopping without having to use my inhaler, so I've vastly improved since the last shopping trip.

So at Haggen I spent $192.43 and bought:

Aspargus
Green cabbage
Scarlet carrots
Daikon
Red grapes
Oranges
Green bell pepper
Red bell pepper
Strawberries
2 beef chuck roasts
3 family sized packages of sirloin steaks
1 pork shoulder roast
1 package chorizo sausage
1 sliced ham chub
1 sliced turkey chub
Popcorn
1 loaf of Naked bread
1 package of Naked hamburger buns
4 jars of Classico Alfredo sauce
4 jars of Miracle Whip

The last two items were on super good sales, but you had to buy 4 to get the sale price. That's okay, though. The MW will last us until the next big sale and at $2.99 it was half price. The Alfredo sauce I use at least twice a month for Chicken Fettucine Alfredo and at least twice a month for the kids' pizzas (DD can't eat tomato sauce anymore). I make them a chicken parmesan bacon pizza with Alfredo sauce. It's honestly just like the one from Pizza Hut only no tomatoes. The kids say it is actually better. Probably because I cook my crust to crispy, unlike PH.

I still have to make up a meal plan for next week. I will be making pizzas tomorrow, burgers and jo-jos on Saturday, and pot roast on Sunday. I'll work on next week's meal plan after I've finished all the grocery shopping.

Another Loan Payment

March 22nd, 2019 at 12:56 am

$21,000.00 Balance Forward
-__,800.00 Payment Made
-------------
$20,200.00 New Balance

Next payday that first digit will be a 1. So close I can taste it.

Loan Payment

March 20th, 2019 at 01:58 pm

I forgot to post that I made a loan payment to the monster mom loan from the last paycheck.

$21,500.00 Balance Forward
-__,500.00 Payment Made
-------------
$21,000.00 New Balance

Friday should be the first payday with the raise on it, assuming no one screwed up in payroll. Then I should be able to start making some serious headway on knocking out this loan.

Monster Mom Loan Payment

February 24th, 2019 at 12:14 pm

$22,000 Balance Forward
-__,500 Payment Amount
-----------
$21,500 New Balance

Loan Payment

January 25th, 2019 at 11:05 pm

$22,500.00 Balance Forward
-__,500.00 Payment Made
------------
$22,000.00 New Balance

That's $3K knocked off this month.

Loan Reduction!

January 23rd, 2019 at 07:05 pm

Mom went through all the utility bills for the past two years and realized how much she has actually been overcharging us for utilities. She has given us a reduction on the loan of $2500 to make up for it. She has also reduced the amount we need to give her each month from $500 to $400. But $2.5K! That is 10 percent of the remaining loan balance. And we will be making a payment on payday, so January is getting us way ahead of the game on knocking out that loan. I needed this win right about now.

$25,000.00 Loan Balance
-_2,500.00 Loan Reduction Amount
------------
$22,500.00

Woo Hoo!

Mom Loan Milestone

December 28th, 2018 at 04:10 pm

Well, when everything was said and sifted, I had a spare $500 left this month, so I made an extra loan payment to Mom today. And that brings me to a milestone goal of getting the loan down to $25K! I didn't think I was going to accomplish that this year, but we are squeaking in just under the wire.

$25,500.00 Balance Forward
-__,500.00 Payment Made
$25,000.00 New Balance

Monster Mom Loan Payment with Chart

December 18th, 2018 at 06:15 pm



$26,000.00 Balance Owed
-__,500.00 Amount Paid
---------------
$25,500.00 New Balance

$500 to go to hit the next milestone! Looking forward to that one.

Monster Mom Loan Payment

September 7th, 2018 at 01:45 pm

$27,500.00 Beginning Balance
-__,500.00 Payment Made
------------
$27,000.00 New Balance

We won't make as much progress this month due to the lack of overtime, but I am hoping to squeak out another $500 in two weeks time.

Monster Mom Loan Payment

August 24th, 2018 at 09:06 pm

We were able to throw another $1000 at the Mom Loan this payday.

$28,500.00 Starting Amount
-_1,000.00 Payment Made
--------------
$27,500.00 Total Remaining

Monster Mom Loan Payment

August 10th, 2018 at 03:26 pm

I was able to throw $1000 at the loan this pay period.

$29,500.00 Starting Balance
-_1,000.00 Payment Amount
-------------
$28,500.00 New Total

Monster Mom Loan Payment

July 27th, 2018 at 01:59 pm

I like to imagine taking a flaming sword and hacking away at this evil Monster loan. Today I took out an $800 slice. And that first digit has dropped at last from a 3 to a 2! That makes me very happy. We were able to pay off $2400 this month. Normal budget would allow for $500 payments, so the 60 hours of OT allowed us an additional $1900.

$30,300.00 Starting Balance
-__,800.00 Payment Made
------------
$29,500.00 New Balance