nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,633
|
Post by nidena on Sept 6, 2024 10:04:30 GMT -5
money has left checking but not yet credited, balance is 93,285.88 - only 342 difference from July 9th? that does not seem right! 92,031.89 Super bummed I didn't drop below 92k this month, but, will next month I suppose.... I would add a little bit to minimum payments, but I had some other expenses come up for my "extra money" and now I am low in the bowl until my next payday. I did squirrel 1k into ibonds while I was flush though.... Will see where my thoughts are next month on how to handle the few extra dollars that might float around. For my RI payday I was anticipating - I decided to finally invest in getting a website together to maybe troll for business, or at least look a bit professional with the LLC. So have earmarked that money for the development and launch. We'll see if having a website comes to anything in terms of new business. But leastwise, I will have dedicated emails so any client communication doesn't get lost in my old, 30k unread messages, yahoo account. Yahoo account - mark of a boomer! Although, dd has one too My mortgage is $21 away from dropping down a spot but I resisted the urge to send extra because it's not my 2.75% interest rate that *needs* reduction. It's the 14.15% one with the balance hovering around $10,000. So I sent a few hundred to that one instead.
|
|
nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,633
|
Post by nidena on Sept 6, 2024 10:10:50 GMT -5
To further offset what was spent, I cancelled a couple magazine subscriptions that I had for my cousin's kids. They were $41 each and, while I'm a big advocate for reading, the kiddos are not without other sources so that's $80+ coming back to me.
And the boulder holders didn't fit--the downside of my local store not having my favorite style in stock is having to play the guessing game online--but barenecessities has improved their exchange processes to where you can submit your return for an exchange and they'll give you a shipping label for free as well as a code to be used on the purchase of the actual exchange. They used to give you a choice between paying for the return label out of your return credit or paying for the label to receive full refund credit. And the label used to be something like $9. Anyhoo, exchanging the 40H and 38HH for 40G and 40GG to further narrow down my needed size.
|
|
minnesotapaintlady
Junior Associate
Joined: Dec 9, 2020 21:48:27 GMT -5
Posts: 8,284
Member is Online
|
Post by minnesotapaintlady on Sept 6, 2024 13:30:35 GMT -5
So...what to do with this 10K? After 10 days of comparing CD rates and almost pulling the trigger a dozen times on 3, 5, and 6 month options I finally just transferred it to my Fidelity brokerage account. The money market account currently has a 4.9% yield, which I'm sure will drop with the expected rate drops coming, but at least in an emergency it's easily accessible.
Const. Loan - $13,842 - 0% interest until May 2025 Citi Card - $7110 - 0% interest until March 2026
If I can manage to make the $754/month minimum payments for 6 more months, I'll be golden. At that point I should have $10,200 in the brokerage account and could just wipe out the first loan without even having to depend on my tax return. It's going to be a rough 6 months though.
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,258
|
Post by Rukh O'Rorke on Sept 6, 2024 13:50:48 GMT -5
So...what to do with this 10K? After 10 days of comparing CD rates and almost pulling the trigger a dozen times on 3, 5, and 6 month options I finally just transferred it to my Fidelity brokerage account. The money market account currently has a 4.9% yield, which I'm sure will drop with the expected rate drops coming, but at least in an emergency it's easily accessible.
Const. Loan - $13,842 - 0% interest until May 2025 Citi Card - $7110 - 0% interest until March 2026
If I can manage to make the $754/month minimum payments for 6 more months, I'll be golden. At that point I should have $10,200 in the brokerage account and could just wipe out the first loan without even having to depend on my tax return. It's going to be a rough 6 months though. we will do it together! Although, I'll just be making min payments and paying off nothing, but potaytoe patahto!
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,258
|
Post by Rukh O'Rorke on Sept 6, 2024 14:02:54 GMT -5
$230 if I stick it in the 6 month CD.
Or I could gamble on a stock! Double my money in a couple months. ROCKETLAB! to the moon! so in other news....the FOMO was killing me. I bought 200 shares of rocketlab in my fidelity HSA. I might be a bit feverish, you never know! 200 shares is barely above 1k so an extremely modest investment. I'm not so feverish as to be in a mood to drop 5k on it *which I think would be the minimum to actually feel the glow if the rocket takes off*. But given that my research indicates that they have never posted a quarterly profit, call me crazy but I am toeing in very gingerly with a half expectation that a snapping turtle will take off my prized pinky toe as it is! Will evaluate this investment on 9/6/2034 and determine if it was a success. Meanwhile, half feeling like I need to quit this board and go join wallstreetbets or something....
|
|
minnesotapaintlady
Junior Associate
Joined: Dec 9, 2020 21:48:27 GMT -5
Posts: 8,284
Member is Online
|
Post by minnesotapaintlady on Sept 6, 2024 14:09:16 GMT -5
After 10 days of comparing CD rates and almost pulling the trigger a dozen times on 3, 5, and 6 month options I finally just transferred it to my Fidelity brokerage account. The money market account currently has a 4.9% yield, which I'm sure will drop with the expected rate drops coming, but at least in an emergency it's easily accessible.
Const. Loan - $13,842 - 0% interest until May 2025 Citi Card - $7110 - 0% interest until March 2026
If I can manage to make the $754/month minimum payments for 6 more months, I'll be golden. At that point I should have $10,200 in the brokerage account and could just wipe out the first loan without even having to depend on my tax return. It's going to be a rough 6 months though. we will do it together! Although, I'll just be making min payments and paying off nothing, but potaytoe patahto! And right after I hit submit on that post, the scout master sent me a text that a $950 payment on Carrot's trip is due 9/23 and another $1010 in February. I knew that was coming, but the timing was amusing. So many activity expenses.
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,258
|
Post by Rukh O'Rorke on Sept 6, 2024 14:21:19 GMT -5
we will do it together! Although, I'll just be making min payments and paying off nothing, but potaytoe patahto! And right after I hit submit on that post, the scout master sent me a text that a $950 payment on Carrot's trip is due 9/23 and another $1010 in February. I knew that was coming, but the timing was amusing. So many activity expenses.
|
|
nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,633
|
Post by nidena on Sept 6, 2024 22:08:55 GMT -5
nidena think of how much you saved towards these costs while you were on your "spending diet"! It's funny you mentioned it that way. I went back and counted how many shifts I've worked since my July 14th spending diet start date: 23. During 22 of them, I remembered to take my Gatorade so that's 22 times I didn't get something from the ebar at $7 a drink. That's $154. It's also 23 times I didn't stop at Starbucks before my shift which averages around $7, as well. So that's $161. Those two things essentially covered what I spent on the kitty cat and his dental stuff. Thank you for the reminder.
|
|
minnesotapaintlady
Junior Associate
Joined: Dec 9, 2020 21:48:27 GMT -5
Posts: 8,284
Member is Online
|
Post by minnesotapaintlady on Sept 6, 2024 22:50:29 GMT -5
so in other news....the FOMO was killing me. I bought 200 shares of rocketlab in my fidelity HSA. I almost sold it a few weeks ago when it was over 7. That's about the point I sold it at the first time I owned it, then I jumped back in when it dropped back to 4. But, I do like the company and it's my way of supporting my space/rocket obsessed son while at the same time rooting for Elon's competition.
|
|
muffyinthered
Established Member
Joined: Dec 22, 2010 8:19:13 GMT -5
Posts: 317
|
Post by muffyinthered on Sept 7, 2024 10:18:44 GMT -5
I am a boomer also. I still have a aol account. My son is a tech geek and keeps telling me to get a different account but everything I have is connected to this aol account. So I just go along as a boomer!
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,258
|
Post by Rukh O'Rorke on Sept 7, 2024 16:04:14 GMT -5
so in other news....the FOMO was killing me. I bought 200 shares of rocketlab in my fidelity HSA. I almost sold it a few weeks ago when it was over 7. That's about the point I sold it at the first time I owned it, then I jumped back in when it dropped back to 4. But, I do like the company and it's my way of supporting my space/rocket obsessed son while at the same time rooting for Elon's competition. I did do a lot of research, and I think I will up my game here and aim for a position of 1000 shares. Although no quarterly profits as yet, they are pulling in a lot of money and I think they will get to profitability soon. Why are all the major space companies privately owned, aside from rocketlab? It is a little bit eerie to me. Are they trying to get the first to mars and own it outright? be a king of their own worlds? wtaf? Yes - em is probably thinking that with his army of robots and robotanks.......bezos? who knows! So yes, I am getting onboard with team rocketlab! Perhaps I can be her ladyship rukh on mars.....
|
|
minnesotapaintlady
Junior Associate
Joined: Dec 9, 2020 21:48:27 GMT -5
Posts: 8,284
Member is Online
|
Post by minnesotapaintlady on Sept 8, 2024 11:00:27 GMT -5
I have 1000 shares. I haven't decided if I want to just sit on it long term or keep day trading like I have been. I look at the HSA funds beyond the years worth of max OOP I have in cash as play money.
|
|
ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,586
|
Post by ners on Sept 10, 2024 18:42:58 GMT -5
Update
47,238.80 (1/3/2011 $97,382.42 MPT5)
Just plugging along.
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,258
|
Post by Rukh O'Rorke on Sept 13, 2024 11:17:37 GMT -5
so in other news....the FOMO was killing me. I bought 200 shares of rocketlab in my fidelity HSA. I almost sold it a few weeks ago when it was over 7. That's about the point I sold it at the first time I owned it, then I jumped back in when it dropped back to 4. But, I do like the company and it's my way of supporting my space/rocket obsessed son while at the same time rooting for Elon's competition. Over 7 today! feeling like a real chump! rocketlab is up nerly 25% for when I purchased it. should have gone all in! I could have been a contender!!
|
|
minnesotapaintlady
Junior Associate
Joined: Dec 9, 2020 21:48:27 GMT -5
Posts: 8,284
Member is Online
|
Post by minnesotapaintlady on Sept 13, 2024 11:27:16 GMT -5
I almost sold it a few weeks ago when it was over 7. That's about the point I sold it at the first time I owned it, then I jumped back in when it dropped back to 4. But, I do like the company and it's my way of supporting my space/rocket obsessed son while at the same time rooting for Elon's competition. Over 7 today! feeling like a real chump! rocketlab is up nerly 25% for when I purchased it. should have gone all in! I could have been a contender!! Well, it will probably drop back down for you to buy some more soon. It seems to fluctuate between $4 and $7 quite a bit. I sold it for $7.20 last year and then bought it back up this year. I'd like to see it shoot up to 18 like it did in 2021.
|
|