nikiz628
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Post by nikiz628 on Jan 20, 2021 23:29:29 GMT -5
All kitchen cabinets have been degreased. If you have never completed this chore, tread lightly. I clean my cabinets several times a year with soap and water to keep them clean. Or so I thought. The water in the bucket when I was finished....ABSOLUTELY DISGUSTING. But at least now everything is ready for paint.
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nikiz628
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Post by nikiz628 on Jan 20, 2021 23:28:13 GMT -5
So I finally called and got my internet/tv bill reduced by $45. That meant getting new equipment. I managed to get the remotes properly programmed and we are now a one remote per tv family 😁 My husband is working on this too. Our satellite and internet is bundled, and it went up $76 last month!
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nikiz628
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Post by nikiz628 on Jan 18, 2021 16:23:23 GMT -5
New floor and cabinet paint has been purchased for the kitchen face lift. I just need to pick a wall color, which I have narrowed down to a few that we have used in other rooms in the house. Now, I need to start tackling the cabinet clean out. This will take a few days I am sure.
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nikiz628
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Post by nikiz628 on Jan 15, 2021 21:30:37 GMT -5
My goals for this weekend are:
- Paint the wall in DS1's room. When he re-arranged and got new furniture, we moved a lot his wall hangings, leaving holes and dents. So I spackled and sanded this week. Once I get the wall painted, we can hang his new decor up.
- Start emptying kitchen cabinets to prep for repainting them. I plan to tackle one cabinet at a time, so I can toss what we don't need before I store it for painting.
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nikiz628
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Post by nikiz628 on Jan 15, 2021 21:28:36 GMT -5
Thursday must have been the day to declutter money. I even got nikiz628 beat. Put the deposit down on the siding for the house. I'll gladly give you the crown
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nikiz628
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Post by nikiz628 on Jan 14, 2021 18:54:54 GMT -5
You've got me beat, nikiz628 . I "decluttered" close to $900 for new tires on my SUV. Ouch!! But, this is snow country, and I'd gotten my money's worth out of the old tires. That's money well spent IMO. Good tires are very important!
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nikiz628
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Post by nikiz628 on Jan 14, 2021 16:56:49 GMT -5
I decluttered $5,500 today on DS1's orthodontic plan. Upfront payment was required.
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Post by nikiz628 on Jan 11, 2021 21:12:58 GMT -5
chiver78 -- A question and a suggestion. 1.) How often do you need to go into those drawers? 2.) if the answer is not often then I would suggestion maybe covering them up with a pretty cloth and then putting the items on top. You may be able to get a glass cut the correct size to put on the top as well if you want. Iggy aka IG -- House work can wait when there is time to be with friends to celebrate. countrygirl2 -- Is there a school close by that can use those extra pencils and school supplies? At this time of the year the beginning of the school supplies are running out and frequently teachers have to pay for any needed out of their limited resources. laterbloomer -- Great progress. You should be able to finish up shortly at this rate. I have been continuing with slow progress. Have reorganized several storage areas in the kitchen. Several items hit the trash while others made it to the new donation bag. My son’s elementary teacher actually just sent an email out last week telling us that they could use donations of supplies. With covid, they aren’t allowed to share any school supplies this year and many kids are running low. It would definitely the worth looking in to.
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nikiz628
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Post by nikiz628 on Jan 10, 2021 20:35:48 GMT -5
I spent the day deep cleaning and organizing the master bedroom and closet. I was ready to purge a lot of my clothing. It’s so much more exciting to get rid of it because it’s too big and not the other way around. I washed the curtains, cleaned the ceiling fan, organized my dresser and my side of the closet, and cleaned up under our bed. It was totally worth the day spent on it because it finally feels cozy again. (It tends to be the catch all room).
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Post by nikiz628 on Jan 7, 2021 0:20:47 GMT -5
Rage cleaning is the best cleaning (as far as results go).
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Post by nikiz628 on Jan 5, 2021 20:32:20 GMT -5
Race #4 UPDATE: 1/5/2020
RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $20,575.03 | $19,977.31 | -597.72 |
NikiZ628(4) 1/5/21 $19,977.31 (6/26/19 $25,195 WIRR197)
Total Paid in 2021: $597.72 Total Amount Paid Off: $5,479.61
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nikiz628
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Post by nikiz628 on Jan 5, 2021 20:02:23 GMT -5
I am not setting a numerical goal for decluttering this year. I am just going to continue working on decluttering and organizing as needed and as time allows. I have already started off 2021 on the right foot getting my living room and dining room deep cleaned and organized. I plan to work room by room. We also want to give our kitchen a little makeover this year. It's the only room we haven't touched since moving in, so it drives me bonkers. The plan is to paint the cabinets and walls, update the flooring, and change out the light fixtures. I don't want to spend a lot of $$, so just enough work to make me not hate the room.
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nikiz628
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Post by nikiz628 on Jan 5, 2021 19:43:36 GMT -5
My goodreads 2021 challenge is 15 books. Last year I set it at 20, and managed to get in 16, so I think this year's number is spot on!
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Post by nikiz628 on Jan 5, 2021 19:41:27 GMT -5
RACE #5 | Interest Rates | Starting Balance | Last Update | This Update | Difference | Citi Best Buy | 0% promos only | 1803.93 | 2300.00 | 2548.07 | +248.07 | Discover | 0% until 1/9/21 | 6,501.76 | 6500.00 | 7040.85 | +540.85 | Capital One Quicksilver | 22.9% | 4,200.00 | 4170.00 | 4895.82 | +725.82 | Menards Store Card | 26.49% | 2,252.61 | 0.00 | 0.00 | Paid Off 8/11/20 | TOTALS |
| 14,758.30 | 13,316.16 | 14,484.74 |
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NikiZ628 (5): 1/5/21 $14,484.74 (5/13/20 $14,758.30 WIRR 227)
I knew the totals went up with some unexpected expenses towards the end of 2020. But we are still under my original balance, so I can't be too upset. H and I are highly motivated to knock this race down this year. Let's RACE!
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Post by nikiz628 on Jan 5, 2021 19:26:45 GMT -5
Looks like Murphy is trying to hang out at my house. My washing is starting to become intermittent. I mean, it's only a 30 year old machine... Oh you too? Our d/w started leaking...
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nikiz628
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Post by nikiz628 on Jan 5, 2021 19:25:00 GMT -5
H and I are both on the same page re: very intentional spending this year. I hope that helps us keep our finances in check.
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Post by nikiz628 on Jan 5, 2021 19:22:56 GMT -5
2021 Savings | START | CURRENT | GOAL | STILL NEED | Emergency Fund | 1,600.56 | 1600.56 | 3,000.00 | 1,399.44 | DS1's Savings | 2,202.03 | 2,202.03 | 2,500.00 | 297.97 | DS2'2 Savings | 962.43 | 962.43 | 1,250.00 | 287.57 | Christmas Fund | 1.05 | 1.05 | 1,000.00 | 998.95 | TOTALS | 4,766.07 | 4,766.07 | 7,750.00 | 2,983.93 |
NikiZ628 1/5/21 $4,766.07 (Goal $7,750.00 WIRS1)
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Post by nikiz628 on Dec 30, 2020 14:29:47 GMT -5
2021 Racer Goals: 1. Auto loan for SUV under $2,700. 2. Auto loan for Truck under $15,000. 3. Credit card debt under $7,000. (Currently sitting around $15,000) H and I are highly motivated to get out from under the cc debt this year. It's slowly creeped back up on us and we aren't impressed. I am glad we are entering the year on the same page, it will make throwing all the extra $ at the balances a lot easier. I told him we can do it as long as we are VERY intentional with our spending at all times. It's going to be an interesting year. I am kind of excited to get creative with this.
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Post by nikiz628 on Dec 30, 2020 14:25:24 GMT -5
Last night I went through all of our bathroom drawers and the wall cabinet to purge and clean up. I tossed anything old or expired, pulled out some makeup I never used that I think my niece would like (she's 12 and ALL about makeup tutorials on youtube lol), and put everything back in an orderly manner. Now that the storage areas in the room are neat and organized, it's ready for it's new year deep clean.
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Post by nikiz628 on Dec 30, 2020 14:21:01 GMT -5
2021 Savings Goals: (I will repost these in the 2021 thread when it opens as well)
1. EF to $3,000 minimum. It took a hit with medical bills from DS1's broken wrist this year. Currently sitting around $1600. 2. DS1's savings to $2,500. 3. DS2's savings to $1,250. Contributions to both of these accounts come from gifted money, piggy banks, etc. 4. Christmas savings to $1,000 by end of October.
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nikiz628
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Post by nikiz628 on Dec 28, 2020 19:40:05 GMT -5
I got a jumpstart on leaving 2020 in the dust I literally shredded it today 🤣 353 documents from the last 12 months gone.
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Post by nikiz628 on Dec 27, 2020 22:52:41 GMT -5
As I posted in the savers thread, I am feeling very motivated to plan out my 2021 goals and plans re: money tonight, so I hope to have that all ready to share soon! Stay tuned!
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Post by nikiz628 on Dec 27, 2020 22:51:54 GMT -5
Feeling motivated at the moment, so I am sitting down to work on my 2020 savings goals tonight. Stay tuned!
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Post by nikiz628 on Dec 27, 2020 22:00:33 GMT -5
UPDATE RACE #2 12/27/2020Race #2 | INTEREST | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $7,692.11 | $7,301.61 | -390.50 |
NikiZ628 (2): 12/27/20 $7,301.61 (3/26/18 $32,991.93)
Total Paid in 2020: $4,644.49 Total Paid Overall: $25,690.32
*My goal for 2020 is to get this loan under $7,500.....AND I HIT GOAL WITH THIS UPDATE!!!!!
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Post by nikiz628 on Dec 16, 2020 15:23:04 GMT -5
My second neighbor was a year behind me in high school. A really good guy. He got sick and they couldn't figure out what was wrong with him. He had something wrong, they went everywhere and finally Mayo clinic to find out. It was ALS, he had 3 kids, they were not grown. His son and ours were best friends before we moved and the boy would have gone to college. After that none of the kids did. Luckily his wife was an RN, but she had a bad back and I think depression. And that poor man and family had it awful. The last time I was home and saw him, they were taking him out of the nursing home in a type of sling chair, his wife was there to get him. He was in terrible shape. Took him a long time to die is my understanding. I hated to see and hear it, you just never know what can happen to us. I feel for anyone with that diagnosis.Agree with this sentiment. I lost my aunt in September to ALS. She had been sick for about a year, no diagnosis. They finally diagnosed her with ALS just as COVID hit the country. She declined rapidly. Her official cause of death was a heart attack but the doctor said the stress on her body from the ALS probably triggered that. She was only in her 50's.
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Post by nikiz628 on Dec 3, 2020 9:33:11 GMT -5
Covid seems to be surrounding us and closing in, not only has it hit my mom, brother, niece, and nephew, but now my sister has tested positive (mother of the niece). I am not surprised she has fallen victim to the germs. I also really want to detonate a Lysol bomb in my house. Thankfully, we have done REALLY well at avoiding people. I just don't like how close to home it's getting. So, while Indiana isn't restricting much as far as leaving your house, we are treating it like a lockdown here as much as we can. I think it will be the perfect time to go back through each room in the house and give it a nice tidy up again like I did in the spring.
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Post by nikiz628 on Dec 3, 2020 9:24:19 GMT -5
I was looking for something else yesterday, and I came across the labels that came with the spice rack I bought about a year ago. So, then I went to put them on the spice rack, which meant I had to take all of the spices out of that rack and alphabetize them. WhHoich meant that I discovered pepper had spilled underneath the rack. Which meant I had to take everything out of that cupboard and vacuum the cupboard. But, hey...that's done. How very "If you give a mouse a cookie" haha. Isn't that always how it goes when you start a new project?
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Post by nikiz628 on Nov 24, 2020 15:24:40 GMT -5
Update on the covid situation in my family.
Color me NOT shocked that my mom tested positive today. Guess her boss should’ve let her quarantine with pay. She may have infected their entire company now. 🤦🏽♀️
My 12 year old niece also tested positive today (not my brothers child). Thankfully we haven’t been around any of these people in over 2 weeks.
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Post by nikiz628 on Nov 23, 2020 8:20:10 GMT -5
I bought a therapy light in hopes of avoiding the slump I deal with every winter. I’m already vitamin d deficient, so I struggle extra when I can’t get outside in the cold. Today is my 4th day using it and so far I feel like it’s helping. 30 mins in the morning is my usage right now. (Currently sitting in front of it). I’ve been using the time to read or catch up on emails etc.
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Post by nikiz628 on Nov 21, 2020 10:30:42 GMT -5
I think I did pretty well with my 2020 goals, all things considered. The only one I know I didn't hit was to have my cc debt below $5k. It isn't even close. So that is going to be my focus for 2021. PAY OFF THE CARDS and build the savings. I know once I get through the holidays, I will get a more specific list of goals.
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