nikiz628
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Post by nikiz628 on Oct 25, 2022 8:10:09 GMT -5
nikiz628 I sent you a message about your race. I don't see it in my inbox.
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nikiz628
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Post by nikiz628 on Oct 21, 2022 17:34:52 GMT -5
Shoutouts! mourningcloak - Congrats on paying down to under your starting total! minnesotapaintlady - Wow, definitely on a mission! Awesome progress! chiver78 - Woo hoo under $30k!! ners - Great updates, and mortgage dropped under $60k!! nikiz628 - Want to say great work so far, and kudos again for facing it head on. (Also, you already had a race #3, so I changed your new race to #6.) Smileys Link: SmileysI know, but I combined all my open races into one race. The original race 3 is now lumped into this new race. Sorry if that is confusing.
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nikiz628
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Post by nikiz628 on Oct 19, 2022 15:16:27 GMT -5
Nik - I read thru your racing posts. Any other monthly subscriptions you can cut? More mindful grocery shopping, less eating out. Not sure how old your kids are but thrifting for their clothes and keeping Christmas simple can go a long way. I see you have savings listed for them here. You might consider using most of it to pay on high interest rate cards. I get that you have savings goals for the kids but the financial math doesn't make sense. Figure out your bare bones emergency fund and then use some/most of the kids savings to hit another card. You can make a goal to replenish the savings when you're on firmer ground. Hang in there. DH and I learned a hard credit card lesson too. We don't contribute more than $100 a year per kid to those savings accounts. That is their money (birthday, earned $, piggy bank cash ins), so I do not want to touch it. [my kids are 12 and 7] If it was money we had given them, it would be different. I am already super locked in on grocery savings. I only spend $125 every 2 weeks for all of our grocery and household items- couponer, meal planner around sales, etc. It's getting harder to fit in that budget window with the prices increasing, but I am doing a decent job. And thankfully, I am 85% done with Christmas (i save all year, so its always paid for in cash), so finishing that out cheaply shouldn't be a problem!!
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nikiz628
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Post by nikiz628 on Oct 18, 2022 20:39:06 GMT -5
If you are on the WIRR thread, then you know my financial life has spiraled. If you aren't, here is where I lay it all out: ymam.proboards.com/post/3393770/threadH and I are currently working to dig ourselves back out. Our savings have taken a little hit to help us get the ball rolling. Contributions moving forward will be minimal for the time being. UPDATE SAVINGS | START | CURRENT | GOAL | STILL NEED | Emergency Fund | 2,100.00 | 1,100.00 | 3,000.00 | 1,900.00 | Christmas Fund | 1.00 | FINISHED | FINISHED | FINISHED | DS1's Savings | 2,500.00 | 2,601.39 | 2,800.00 | 198.61 | DS2's Savings | 1,250.00 | 1,351.10 | 1,600.00 | 248.90 | Cushion Fund | 207.00 | 0.00 | 1,000.00 | 1,000.00 | TOTALS | 6,058.00 | 5,052.49 | 8,400.00 | 3,347.51 |
NikiZ628: 10/18/22 $5,052.40 (Goal $8,400 WIRS2)
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Post by nikiz628 on Oct 18, 2022 20:27:01 GMT -5
Moving forward, I think I am going to combine all the debt into 1 race. I think this will make it easier to monitor and keep updated vs. a truck race, a cc race, a loan race etc. We will not be racing the HELOC at this time. So my old races can be removed from the list and replaced with this race. RACE #3 DEBT | INTEREST RATE | STARTING BALANCE | Discover Card | 25.99% | 15,421.93 | Quicksilver Card | 25.99% | 6,024.77
| Menards Card | 27.99% | 1,730.44
| Best Buy Citi Card | 0% Promos Only | 1,665.02 | Care Credit (DS1 Orthodontics) | 26.99% | 4,433.57 | Discover Loan | 12.99% | 12,736.93
| SOFI Loan | 22.49% | 10,144.87 | Truck Loan | 4.8% | 13,297.91 | TOTALS |
| 65,455.44 |
NikiZ628(3): 10/12/22 $65,455.44 WIR284
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Post by nikiz628 on Oct 18, 2022 20:15:04 GMT -5
Just an FYI on Sirius, you can call them and it will cost you around $75-80 a year per account. I paid full price far too long. Just wanted you to have that information. We had been on one of those promos, and it ended. H uses amazon music with bluetooth in his truck 99% of the time, so he is perfectly fine cancelling completely for himself. I told him if they can go back to $5-$7 a month like I used to pay, I will keep it, but if not- bye bye.
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Post by nikiz628 on Oct 17, 2022 22:04:24 GMT -5
H and I finally had a chance to sit down and finish hammering out our game plan for our debt:
Here is what we have done:
* Transferred $4,200.00 from our savings to our checking (Leaves us $1,000 in our EF) * Transferred $1,000.00 from our HELOC to our checking (I know this makes our HELOC balance go up temporarily, but the interest rate is so much lower). * I cancelled my WW subscription ($19.95 a month, the new plan sucks and I haven't used it in forever). * Paid off CARE CREDIT in the amount of $4,260.57 (i paid a min. pymt the day after I posted my numbers above) * Paid off $1,000.00 of the MENARDS balance, leaving $730.44 due. Update: Our Discover Card went over the limit, so I paid $555.93 towards that, and the remaining $444.07 will go to Menards.
Here is what we are doing next:
*Contacting all of our creditors to try and lower interest rates. * Pay off the remaining balance on the MENARDS card. * Roll the CC and MENARDS payments into the QUICKSILVER balance. * Cancel our 2 Sirius XM subscriptions (they jumped up to $30 a month EACH, no thanks). * Cancel our DIRECTV service (unless they can offer us a deal lower than what we can pay for YOUTUBE TV, which has all of the channels we are getting on DIRECT for so much cheaper) * Spend the next month (or more) using up all the food we have on hand to keep my bi-weekly grocery trips as low as possible- money saved will go towards debt. * List all of the items I am decluttering on FB for sale- all money earned from this will also go to debt
Our next payday is 10/28. H should be getting his annual raise on his pay anytime now (it always takes a couple of checks to update). I am hoping it shows up on this one so I know what we are working with moving forward.
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Post by nikiz628 on Oct 14, 2022 9:13:32 GMT -5
I wouldn't even worry about the truck, the HELOC, or anything else that has a set repayment schedule/amount.
I'm so sorry you're going through this again nikiz628 . I second what Chiver and Nidena have said. So this is what I'd do: - Your interest rates are crazy high. I'd try to lower them (either through negotiating or a balance transfer or both). - Like Nidena said, take the HELOC and truck loan off the table for now. - Try to pay the SOFI loan back Two hard questions: - Can you sell something to make a big dent? Maybe downsize one of your vehicles? We only have 2 vehicles. Mine is paid off, H is the truck loan. I wish we could go down to 1 car, but its just not possible with work and 2 kids and all the activities. I am working on selling a TON of stuff from the house though (It needs done anyway). Not quite the dent something LARGE would make, but it will help chip away.
- Can you use your savings to get ahead? We do plan to use some of our savings to help out. We don't have a ton saved up. but I am comfortable tapping in to it for help. Good luck to you. I know it's painful, but you can do this. Thank you
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Post by nikiz628 on Oct 12, 2022 18:27:00 GMT -5
no judgment here, this sounds an awful lot like the posts I made right around the time I finally waved the white flag. you've made the first step in admitting it to yourself, which took me a very long time to do. kudos to you. I've got a couple questions. - is that Best Buy card similar to the Home Depot one I opened to finance a washer/dryer set? if you pay off the balance before the promotion expires, you're clear. if you don't, the interest goes all the way back to purchase date. either way, I would suggest figuring out how many payments you have left before the rate expires and just divide the remaining balance to be clear before reset. Kinda. We never use it for anything less than 12 months 0%. I love that when I log in to my account, it shows me exactly how much is left on each purchase and when the promo expires. At this time, only $125 expires in December. Everything else is mid 2023. - I would also start with the low hanging fruit (Menards, Care Credit) and it's helpful that those are the highest rates as well. Right now we are definitely leaning towards the snowball method, because I am very motivated by getting zeros. - are you/are you able to pay more than those minimums? that's what was killing me when I was near the breaking point. I've been able to chip away more efficiently now that I have breathing room. We are paying more than the minimums on most of those. It's just getting HARDER to do that, you know?- is there a penalty to paying back the SOFI loan early? that's a really high rate. it doesn't make sense to use that to pay down other balances with lower ones. I get the need to consolidate to make things less complicated, but this doesn't seem like a good choice. if you can pay that off early without penalty, I'd do that with the funds you moved into savings for the car you haven't bought yet. if that car is a want, put that off for now. you can't afford it. I am not sure on the SOFI, but I can definitely look into it. You make a valid point on the interest rate being very high.
you're here, you're being honest with yourself. now it's time to dig in and do the work. good luck with the calls to ask about lowering rates. we're here to listen if you need to vent. Seriously, thank you! It means so much!
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Post by nikiz628 on Oct 12, 2022 16:41:00 GMT -5
nikiz628 - Have you stopped using the cards? I get the convenience and rewards part, but I don't think it's "safe" for you to keep using them for day to day stuff until you have a better handle on the spending. I am a HUGE YNAB advocate, but I am on the old software and know nothing about their web based subscription service (plus I hate subscriptions). But, one of the main principles is to get a month ahead and not spend anything that you don't already have the cash available. It's kind of tricky until you're actually a month ahead but once you get there it is soooo freeing. I've been looking at this to get my son since you can't buy YNAB as a stand alone program anymore. It looks very similar. I would definitely try and get those interest rates down either with phone calls or balance transfers.
I just checked out the website you recommended. It very much seems to be like the envelope system, just with buckets. I like it!
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Post by nikiz628 on Oct 12, 2022 16:32:08 GMT -5
nikiz628 - Have you stopped using the cards? I get the convenience and rewards part, but I don't think it's "safe" for you to keep using them for day to day stuff until you have a better handle on the spending. I am a HUGE YNAB advocate, but I am on the old software and know nothing about their web based subscription service (plus I hate subscriptions). But, one of the main principles is to get a month ahead and not spend anything that you don't already have the cash available. It's kind of tricky until you're actually a month ahead but once you get there it is soooo freeing. I've been looking at this to get my son since you can't buy YNAB as a stand alone program anymore. It looks very similar. I would definitely try and get those interest rates down either with phone calls or balance transfers.
Yes. I even removed them from the wallets. I need to delete them from frequently shopped websites too- thats way too convenient.
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Post by nikiz628 on Oct 12, 2022 15:59:53 GMT -5
nikiz628 , I think the days of the harsh words are a thing of the past. Kudos to you for putting it all out there and taking action. Many people would and do bury their head in the sand and let it get worse. My thoughts: 1) The # of races you have is up to you. Whatever is easiest. If you want one race now to track one or all debts, do that. Or leave them split up. 2) All of the interest rates are pretty rough. I'd make some calls to credit card companies and ask if they can reduce your rate. Worst they'll say is no, and who knows, maybe you'll save a few bucks. 3) Since all of the rates are high, I'd go with smallest balance (Menards) first, knock that out as quickly as you can, and start building that snowball. 4) May want to explore using the SOFI loan to knock out a handful of cards. And owning a SxS is pricey - trailering, gas $$, insurance, accessories, etc. Maybe shift that plan to a year or so down the road. Market may be friendlier by then too! 5) Is the Care Credit an actual credit card, or more of a long term loan? I can' believe the rate is that high! Hang in there! 2. This is a great idea, I hadn't even thought to do that! 4. We have tabled the SxS for now. It's clearly not a priority. 5. It's an actual credit card. The interest rate makes me sick.
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Post by nikiz628 on Oct 12, 2022 14:39:12 GMT -5
Just popping in to say I will have updated numbers very soon!
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Post by nikiz628 on Oct 12, 2022 14:30:35 GMT -5
Ughh. (takes a deep sighing breath). I have been avoiding making this post. It's going to be a hard one for me to type up. But if I want to fix this mess I need to: 1. admit to my WIRR gals that I have screwed up. 2. Lay it all out there. 3. Formulate a plan of attack. 4. Start digging out of this hole. Step 1: Ladies, Idk if we blacked out or just went on some sort of debt splurging this year...but we are officially over our heads. I thought we were doing so well, but clearly, we still have some bugs to work out in our finances. Step 2: We were relying on our CC's way too much for the little odds and ends that we "needed" and didn't have the extra funds for. Most definitely a lot of purchases were wanted and not needed. I would put the groceries on one to earn rewards and then not go back and pay off said grocery trip. Rinse. Repeat. Rinse. Repeat. A huge screw-up we made was to BT our 2 cc's into the Discover Loan (that wasn't a bad move). The bad move was that since then, we've basically re-maxed out the original 2 cc's. We had also taken out a SOFI loan to purchase a side-by-side rec vehicle (definitely a want, not a need, even if it would be very helpful to own one). We haven't purchased one yet because the market for them is crazy (used ones sell in minutes, which is why we took the loan out first- we were losing the chance to buy one not having the money upfront). I transferred the funds for that into our savings for the time being. We are open to postponing the purchase and using the money to help us if needed. I am sure by this point, if you are still reading, you are shaking your head and forming some judgments- which I understand completely. I am literally typing out a story similar to many other people's that I've tsk tsk'd like I knew better. But, if I truly want to fix this, I have to admit all the dumb sh*t we have done recently to get us back in the hole so far. This brings us to... Step 3: This is where we are now. I am very much open to helpful suggestions on our next move based on the numbers I am about to post. Please be gentle. I am already feeling very crappy about this, I don't need any extra guilt. I know we screwed up. I know we made extremely bad choices. I will own up to ALLLLLLL of that. Now is the time to figure out where we go from here- what do we tackle first? what can we do to make this race easier? I am picking up as many substitute teaching shifts as I can to help bring in some extra income. I am also going to start doing the plasma thing for some extra side $$ as well. I also plan to continue selling all my purge items on Facebook. H has picked up 2 side jobs that will bring in approximately $15,000 in extra $$. All of this side $$ will go directly to debt payoff. Here are our current numbers. I have been racing my debts in broken-up races (the vehicle is one. CC/loan debt is another). I am not sure if that's a good way to continue or if I should just combine them ALL into one large race. Also, I have no intention of racing our mortgage at this time. We refinanced from a 30 to a 15-year loan 2 years ago when the rates bottomed out, so we are set to just ride that one out for the time being. (We currently owe $63,000 on the house). Debt | Interest Rate | Current Balance | Monthly Minimum Pymt | Discover Card | 25.99% | 15,421.93 | 321.00 | Quicksilver Capital One Card | 25.99% | 6,024.77 | 192.00 | Menards Card | 27.99% | 1,730.44 | 25.00 | Best Buy Citi Card | only used for 0% promo purchases | 1,665.02 | 38.00 | Care Credit (DS orthodontics) | 26.99% | 4,433.57 | 173.00 | Discover Loan | 12.99% | 12,736.93 | 342.00 | SOFI Loan | 22.49% | 10,144.87 | 283.00 | Truck Loan | 4.8% | 13,297.91 | 382.00 | HELOC (not sure if I want to race) | 7.7% | 8,746.19 | 135.00 | TOTALS |
| 74,201.63 | 1,891.00 |
There it is, all out in the universe in black and white. If this was YOU, what would your first move(s) be? Again, please be gentle. I will take any advice to heart and thoroughly consider all ideas given. Thank you ladies for being my shoulders to virtually lean on as I deal with the grief and anger of allowing our family to get so far off track. I really couldn't do this without you all.
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Post by nikiz628 on Oct 12, 2022 13:46:56 GMT -5
Popping in to wave hello and say I AM STILL HERE. Life has been nuts lately, and I realized today I haven't logged into the boards in awhile.
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Post by nikiz628 on Aug 5, 2022 18:30:47 GMT -5
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Post by nikiz628 on Aug 3, 2022 18:57:59 GMT -5
UPDATE RACE #5
RACE #5 | INTEREST RATES | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Citi Best Buy | 0% Promos Only | 1,803.93 | 400.00 | 980.00 | +580.00 | Discover (loan) | 12.99% | 15,000.00 | 13,139.85 | 12,933.50 | -199.48 | Care Credit (DS1's Ortho Work) | 26.99% | 4,160.00 | 4,400.00 | 4,350.00 | -50.00 | Affirm Pool Payment | 27.97% | 3,804.44 | $0.00 | --- | Paid Off | TOTALS |
| 24,768.37 | 17,939.85 | 18,263.50 | -786.02 |
NikiZ628 (5): 8/3/22 $18,263.50 (9/22/21 $24,768.37 WIR271)
Best Buy is temporarily higher- H put some sidework expenses on it and will pay it back down when the customer pays him. Everything else got minimums until the back to school money vacuum shuts off.
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Post by nikiz628 on Aug 3, 2022 18:26:18 GMT -5
8/3/22 UPDATE RACE #4 RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24,945.53 | $14,307.57 | $13,978.25 | -329.32 |
NikiZ628(4) 8/3/22 $13,978.25 (6/26/19 $25,195 WIRR197)
Total Paid in 2022: $2,608.36 Total Amount Paid Off: $11,478.67
**I had a typo in the last updates tag line. It shouldve read 14,307.57 but i typed 13,307.57. Wishful thinking.
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Post by nikiz628 on Aug 3, 2022 18:23:28 GMT -5
UPDATE 8/3- NO CHANGE FROM LAST MONTHS UPDATE2022 SAVINGS | START | CURRENT | GOAL | STILL NEED | Emergency Fund | 2,100.00 | 1,850.43 | 3,000.00 | 1,149.57 | Christmas Fund | 1.00 | 348.37 | 1,000.00 | 651.63 | Cushion Fund | 207.00 | 0.00 | 1,000.00 | 1,000.00 | DS1's Savings | 2,500.00 | 2,601.19 | 2,800.00 | 198.81 | DS2's Savings | 1,250.00 | 1,351.10 | 1,600.00 | 248.90 | TOTALS | 6,058.00 | 6,151.09 | 9,400.00 | 3,248.91 |
NikiZ628: 8/3/22 $6,151.09(Goal $9,400 WIRS2)
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Post by nikiz628 on Aug 3, 2022 18:19:51 GMT -5
I need to post my updates soon, but let me just say: I feel like we are HEMORRHAGING money right now. The last part of the year always feels like that, but its started earlier this year and I was not prepared. I wish I had won that 1.2 billion lottery jackpot. I totally feel you. after all the projects I listed my last update, I need to add $1k for irrigation work (including piping out to that shower that's on the list) and a lovely $600 starter for my car. we'll both get through this! Yes we will! And hopefully quickly haha!
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Post by nikiz628 on Aug 2, 2022 22:06:31 GMT -5
I need to post my updates soon, but let me just say: I feel like we are HEMORRHAGING money right now. The last part of the year always feels like that, but its started earlier this year and I was not prepared. I wish I had won that 1.2 billion lottery jackpot.
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Post by nikiz628 on Aug 2, 2022 22:04:54 GMT -5
nikiz628 wow, it seems so early to me! I hope you've had a relaxing summer. Will next year be as crazy? Ohh, probably. Now I will have the boys in different school buildings. DS1 starts middle school. DS2 starts 1st grade. So now we get to add in traveling middle school sports on top of our regular rec/travel sports lol. Send caffeine.
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Post by nikiz628 on Aug 2, 2022 15:06:02 GMT -5
We are in the last week of summer vacation here- its madness. I don't even know where this summer went, but it sure did go. As much as I am not ready to share my kids with school, I am slightly looking forward to being back on a routine and having some kidfree time during the day to get caught up around the house/run errands/etc. Right now, both boys' rooms look like something exploded inside. I will do a deep clean and reorganize both rooms before the 1st day of school- including their favorite chore, going through their clothes to see what they've grown out of!
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Post by nikiz628 on Jul 6, 2022 12:34:52 GMT -5
2022 SAVINGS | START | CURRENT | GOAL | STILL NEED | Emergency Fund | 2,100.00 | 1,850.43 | 3,000.00 | 1,149.57 | Christmas Fund | 1.00 | 348.37 | 1,000.00 | 651.63 | Cushion Fund | 207.00 | 0.00 | 1,000.00 | 1,000.00 | DS1's Savings | 2,500.00 | 2,601.19 | 2,800.00 | 198.81 | DS2's Savings | 1,250.00 | 1,351.10 | 1,600.00 | 248.90 | TOTALS | 6,058.00 | 6,151.09 | 9,400.00 | 3,248.91 |
NikiZ628: 7/5/22 $6,151.09(Goal $9,400 WIRS2)If this is your 2022 goal, you're kicking butt. Funny how its all a matter of perspective. You see me kicking butt, I see me sucking at saving haha. Thank you for the reminder!
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Post by nikiz628 on Jul 6, 2022 12:32:17 GMT -5
I spent probably 2 hours today cleaning my kitchen. I cleaned and organized all food cabinets, the freezer, and the refrigerator. I also made an inventory list of what we have on hand so I can make a dinner menu for the month. SO MUCH STUFF was hiding in the freezer! I also got our master bedroom cleaned back up and cozy again. Those 2 rooms are always the catch all. Now to just get all the random stuff thrown on our deck where it needs to go and I will feel a little less edgy about the clutter. It's 112 real feel outside right now, so outdoor stuff is impossible to tackle this week. I have my sprinkler out there desperately giving drinks to all of our landscaping. Holy smokes, that is TOO hot! I don't make inventory lists, per se, but I do poke around and make supper lists off of what we have on hand. The past several months I've gotten very detailed by using frozen lemon penguin shaped cubes from last fall, a leftover flavor packet from frozen shrimp, sent DH to work with a frozen bag of leftover ham, etc. Thats what I plan to do with my inventory list It will definitely help at the grocery store for a bit lol
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Post by nikiz628 on Jul 5, 2022 19:44:43 GMT -5
I spent probably 2 hours today cleaning my kitchen. I cleaned and organized all food cabinets, the freezer, and the refrigerator. I also made an inventory list of what we have on hand so I can make a dinner menu for the month. SO MUCH STUFF was hiding in the freezer! I also got our master bedroom cleaned back up and cozy again. Those 2 rooms are always the catch all. Now to just get all the random stuff thrown on our deck where it needs to go and I will feel a little less edgy about the clutter. It's 112 real feel outside right now, so outdoor stuff is impossible to tackle this week. I have my sprinkler out there desperately giving drinks to all of our landscaping.
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nikiz628
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Post by nikiz628 on Jul 5, 2022 0:52:50 GMT -5
2022 SAVINGS | START | CURRENT | GOAL | STILL NEED | Emergency Fund | 2,100.00 | 1,850.43 | 3,000.00 | 1,149.57 | Christmas Fund | 1.00 | 348.37 | 1,000.00 | 651.63 | Cushion Fund | 207.00 | 0.00 | 1,000.00 | 1,000.00 | DS1's Savings | 2,500.00 | 2,601.19 | 2,800.00 | 198.81 | DS2's Savings | 1,250.00 | 1,351.10 | 1,600.00 | 248.90 | TOTALS | 6,058.00 | 6,151.09 | 9,400.00 | 3,248.91 |
NikiZ628: 7/5/22 $6,151.09(Goal $9,400 WIRS2)
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nikiz628
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Post by nikiz628 on Jul 5, 2022 0:39:18 GMT -5
UPDATE RACE #5
RACE #5 | INTEREST RATES | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Citi Best Buy | 0% Promos Only | 1,803.93 | 600.00 | 400.00 | -200.00 | Discover (loan) | 12.99% | 15,000.00 | 13,525.87 | 13,139.85 | -386.02 | Care Credit (DS1's Ortho Work) | 26.99% | 4,160.00 | 4,600.00 | 4,400.00 | -200.00 | Affirm Pool Payment | 27.97% | 3,804.44 | $0.00 | --- | Paid Off | TOTALS |
| 24,768.37 | 18,725.87 | 17,939.85 | -786.02 |
NikiZ628 (5): 7/5/22 $18,725.87 (9/22/21 $24,768.37 WIR271)
Just chug, chug, chuggin along on this race...
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nikiz628
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Joined: Jun 11, 2013 17:25:59 GMT -5
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Post by nikiz628 on Jul 5, 2022 0:10:11 GMT -5
7/5/22 UPDATE RACE #4 RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24,945.53 | $14,655.53 | $14,307.57 | -347.96 |
NikiZ628(4) 7/5/22 $13,307.57 (6/26/19 $25,195 WIRR197)
Total Paid in 2022: $2,279.04 Total Amount Paid Off: $11,149.35
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nikiz628
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Post by nikiz628 on Jun 26, 2022 12:44:43 GMT -5
Finally caught up on the last few pages, you ladies have been very productive!
We just wrapped DS1's travel baseball season this weekend, so minus 2 (1 game each) all star baseball tournaments he's playing in July, we are officially finished with all outside obligations for the summer! I am very happy- we have only managed to use our pool 4 times since we opened it. I am ready to not leave my house for awhile. H is off until July 6th, we kicked around the idea of a small, closer to home vacation but I just don't know if I want to do anymore driving and hotel stays (we've been in hotels the last 3 weekends for baseball). I am sure I will figure out something fun to do with the kids and H before he returns to work. In the meantime, I plan to spend a lot of my time in the pool doing NOTHING. And getting caught up on the little tasks around the house I've been wanting to do. I plan to sit all of my FREE, PLEASE TAKE THIS stuff in the garage out on the curb tomorrow. It should go quickly and that will be a BIG to do off my list. I want to purchase a shelving unit for the garage to put our sports equipment in one place, and then the garage cleaning will be complete! Hallelujah!
Now my basement... that's another story lol
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