nikiz628
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Post by nikiz628 on Nov 21, 2020 10:21:40 GMT -5
My sister just texted me to say that our brother tested positive for COVID. He is 24 and has a 1 year old son. I told my mom she needs to quarantine as well because she is their primary childcare. She's been around my brother every day. She doesn't think she needs to and says she cant afford to miss that much work. Face meet palm. Her work might have something to say about that if they find out. She works for her brother's company, who thinks COVID is blown out of proportion. He would probably raise a stink if she tried to quarantine, even though she's only the receptionist. Cue major eye rolls. bean29 - He already had one employee quarantine and didn't pay him. They have less than 10 employees so I don't know if that makes a difference with funding for this, etc. debthaven- I haven't heard from anyone since they found out my brother had it. I generally get my info from my mom via my sister, because for some reason they don't think to include me in breaking news updates with the family,
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nikiz628
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Post by nikiz628 on Nov 21, 2020 10:19:35 GMT -5
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nikiz628
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Post by nikiz628 on Nov 21, 2020 10:18:52 GMT -5
I am done thinking about spending . Mine is so out of line I'm ignoring it until January 1st. Sometimes you just have to do that for your own mental well being.
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nikiz628
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Post by nikiz628 on Nov 19, 2020 14:44:16 GMT -5
OUCH nikiz628 . I'm guessing she doesn't live with them? If it's any comfort, Europe has decreased the quarantine period to 7 days. Maybe she can manage that?! Not anymore. She did briefly earlier in the fall while she was in between houses, but shes on her own now.
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nikiz628
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Post by nikiz628 on Nov 18, 2020 16:44:49 GMT -5
The update for Race 5 (my cc race) will not come until after the holidays. I am cash flowing 95% of our Christmas shopping but the numbers are all over the place (using a card for the rewards, then making a payment immediately after, etc).
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nikiz628
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Post by nikiz628 on Nov 18, 2020 16:18:36 GMT -5
nikiz628 , doublecheck your post above. I think you missed some numbers in your starting date. Good eye, I think I hit the backspace after I copy/pasted.
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nikiz628
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Post by nikiz628 on Nov 18, 2020 15:21:53 GMT -5
UPDATE RACE #2 11/18/2020Race #2 | INTEREST | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $8,480.97 | $7,692.11 | -788.86 |
NikiZ628 (2): 11/18/20 $7,692.11 (3/26/18 $32,991.93)
Total Paid in 2020: $4,253.99 Total Paid Overall: $25,299.82
*My goal for 2020 is to get this loan under $7,500.....which I should hit in December!!!!
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nikiz628
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Post by nikiz628 on Nov 18, 2020 15:08:40 GMT -5
UPDATE
2020 Savings | START | CURRENT | GOAL | STILL NEED | Emergency Fund | $1,000.00 | $2,000.00 | $2,000.00 | Goal Met 5/28/20 | DS1's Savings | $1,960.29 | 2,200.00 | $2,200.00 | GOAL MET 11/2020 | DS2's Savings | $734.55 | $850.00 | $850.00 | Goal Met 10/12/20 | Totals | $3,694.84 | $5,050.00 | $5,050.00 | $0.00 |
NikiZ628 11/18/2020 $5,050.00 (Goal $5,050.00 WIRS2)Well this is my last saving's update for the year, as December is just impossible to save money in for us (christmas, a hanful of birthdays, and our plates expire 2 days before Christmas- Merry Xmas from the BMV). Happy to say we hit that last goal, thanks to DS's piggy bank! I am already starting to look forward to our 2021 Savings Goals and hope to post those here soon!
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nikiz628
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Post by nikiz628 on Nov 18, 2020 14:58:00 GMT -5
Race #4 11/18/2020
RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $20,871.94 | $20,575.03 | -296.91 |
NikiZ628(4) 11/18/2020 $20,575.03 (6/26/19 $25,195 WIRR197)
Total Paid in 2020: $3,513.22 Total Amount Paid Off: $4,881.89
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nikiz628
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Post by nikiz628 on Nov 18, 2020 14:47:51 GMT -5
My sister just texted me to say that our brother tested positive for COVID. He is 24 and has a 1 year old son. I told my mom she needs to quarantine as well because she is their primary childcare. She's been around my brother every day. She doesn't think she needs to and says she cant afford to miss that much work. Face meet palm.
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nikiz628
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Post by nikiz628 on Nov 18, 2020 14:46:39 GMT -5
snapdragon- Hugs for the whole process. But I am glad you are feeling a little lighter. I hope the vacation is a great mental break for you! debthaven- That is A LOT of Zoom time.
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nikiz628
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Post by nikiz628 on Nov 18, 2020 9:32:55 GMT -5
My goal today is to get my numbers updated.... life has been chaotic and it's slipped my mind.
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Post by nikiz628 on Nov 8, 2020 23:44:56 GMT -5
I spent today clean cleaning the whole house. I am also completely caught up on laundry (washed, folded, AND put away!!!). It's always so great to get everything in order and cleaned up to start the week on the right foot.
My goals this week are:
- finish putting yard stuff up for the year - finish putting up outdoor christmas decor before it gets too cold - bring in my outdoor plants (first, treat them with a soap dip to eliminate buggy residents) - Take a load of junk to our baseball dumpster (perk of being on the board lol). - Wash the car? It's SO dirty. The inside is completely clean now and ready for winter (put the scraper, de-icer, etc back in) - Go to the bank and post office - Wrap Christmas gifts as they come in - Start my Christmas cards. We usually order photo cards, but I am not sure I want to do that this year. I picked up several boxes on clearance two years ago, so I really should use them! - Take pup to groomer - Make check up appts for both kids
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nikiz628
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Post by nikiz628 on Nov 6, 2020 18:47:50 GMT -5
I had started the garage clean up a week or so ago, tonight H finished it up. We found the floor. We found the work bench. There is room for the outdoor stuff to be put back up for winter AND we made room for DS1's hitting net, so he can work over the cold weather months. I call this a huge win.
Tomorrow I am going to work in the basement while I get out the Christmas decor. It's not in horrible shape, but a lot of things need put back in their homes.
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Post by nikiz628 on Oct 13, 2020 16:28:51 GMT -5
H surprised me yesterday and ON HIS OWN went through his side of the closet and filled a big bin of stuff to get rid of. It's so much easier to get in the walk in now. His pile of shoes was getting a bit crazy.
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Post by nikiz628 on Oct 13, 2020 16:20:34 GMT -5
debthaven- Sending healing thoughts to your DS!
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Post by nikiz628 on Oct 12, 2020 15:18:43 GMT -5
It's fall break week here for the kids and I am looking forward to not leaving the house. We've been so busy with baseball the last 7 weeks, it will be nice to get caught up around here. Travel baseball is still going on, but it's just sporadic weekends (albeit long ones), so I can handle that. The MAIN goal this week is tidying up the garage so that when we do need to put away the yard stuff, we can. Plus we started putting together a little home gym out there back when we were quarantining, so I would like to get that finished up! So far we have a recumbent bike ($100 on fb yard sale site), treadmill (free, neighbor didn't want anymore) and a heavy bag/weights that we already had. H hung one of our old flat screen tvs out there too and hooked up a DVD player so we can watch movies or workout DVDs when we use the area too.
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Post by nikiz628 on Oct 12, 2020 15:15:56 GMT -5
Libby actually posted about pumpkin on Twitter. There's not really a shortage, just a timing issue. The harvest was late this year due to weather. Product is starting to hit the shelves albeit later than usual. Well that makes more sense!
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Post by nikiz628 on Oct 12, 2020 14:49:21 GMT -5
UPDATE RACE #5 10/12/20
Race #5 (CC Debt) | Interest Rates | Starting Balance | Last Update | This Update | Difference | Citi Best Buy | 0% promos only | $1803.93 | $2,300.00 | $2,100.00 | -200.00 | Discover | 0% until 1/9/21 | $6,501.76 | $6,500.00 | $6,351.48 | -148.52 | Capital One Quicksilver | 22.9% | $4,200.00 | $4,170.00 | $4,864.68 | +694.68 | Menards Store Card | 26.49% | $2,252.61 | $0.00 | $0.00 | -2,248.13 PAID OFF 8/11! | TOTALS |
| $14,758.30 | $12,970.00
| $13,316.16 | +346.16 |
NikiZ628 (5): 10/12/2020 $13,316.16 (5/13/20 $14,758.30 WIRR 227)
Gahhh. Wrong direction since my last update. DS1 made a travel baseball team which also equals $$. We put some of the starting expenses on this card since it was unexpected (he originally wasn't selected, but then they cut a kid and called us to see if he still wanted the spot- cut throat lol).
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Post by nikiz628 on Oct 12, 2020 14:42:39 GMT -5
UPDATE RACE #4 10/12/2020
RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $21,740.70 | $20,871.94 | -868.76 |
NikiZ628(4) 10/12/2020 $20,871.94 (6/26/19 $25,195 WIRR197) Total Paid in 2020: $3,216.31 Total Amount Paid Off: $4,584.98
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nikiz628
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Post by nikiz628 on Oct 12, 2020 14:32:45 GMT -5
UPDATE 10/12/20202020 Savings | START | CURRENT | GOAL | STILL NEED | Emergency Fund | $1,000.00 | $2,000.00 | $2,000.00 | goal met 5/28/20 | DS1's Savings | $1,960.29 | $2,181.78 | $2,200.00 | 18.22 | DS2's Savings | $734.55 | $850.00 | $850.00 | GOAL MET 10/12/20 | Totals | $3,694.84 | $5,031.78 | $5,050.00 | 18.22 |
NikiZ628 10/12/2020 $5,031.78 (Goal $5,050.00 WIRS2)
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Post by nikiz628 on Oct 12, 2020 14:25:57 GMT -5
I can't remember if I shared here or not but DS1 took a tumble on recess about 4-5 weeks ago and managed to break his wrist into his growth plate. Thankfully, just a crack, not a true break so he didn't need a cast. He's been in a removable splint since then. I am DREADING the ER bill. Our insurance doesn't cover crap until the deductible is met. $1,300 OOP so far. Ouch. Thank goodness for the EF.
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Post by nikiz628 on Oct 12, 2020 14:25:11 GMT -5
A butcher here said they have already been warned of ham/turkey shortages this coming holiday season (he also mentioned canned pumpkin, random). Basically, he said if you're wanting to have them, you should probably buy one now and not wait. And he wasn't just saying it to get sales, he's a friend of ours. It will just be the 4 of us here but we usually do a small ham and a small turkey breast. I have been watching the prices to snag them before they are gone, but I hate that they go on such great sales closer to time. Torn.
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Post by nikiz628 on Sept 25, 2020 21:50:41 GMT -5
I can't remember if I shared here or not but DS1 took a tumble on recess about 4-5 weeks ago and managed to break his wrist into his growth plate. Thankfully, just a crack, not a true break so he didn't need a cast. He's been in a removable splint since then. I am DREADING the ER bill. Our insurance doesn't cover crap until the deductible is met.
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nikiz628
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Post by nikiz628 on Sept 24, 2020 14:36:02 GMT -5
I am doing a good job keeping up with general household stuff given our chaotic schedules right now. In another week or so it should slow down when baseball ends. I want to tidy up the garage (again, ugh) before it gets too cold and we put away all the outdoor stuff. If I can start that task this weekend, I will be happy.
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nikiz628
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Post by nikiz628 on Sept 24, 2020 14:32:22 GMT -5
Update Race #2 9/24/2020
Race #2 | INTEREST | ORIGINAL | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $8,873.75 | $8,480.97 | -392.78 |
NikiZ628 (2): 9/24/2020 $8,480.97 (3/26/18 $32,991.93) Total Paid in 2020: $3,465.13 Total Paid Overall: $24,510.96*My goal for 2020 is to get this loan under $7,500.....
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Post by nikiz628 on Sept 23, 2020 11:58:00 GMT -5
seriousthistime- Congratulations! I know you will find something perfect to do with your free time!
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Post by nikiz628 on Sept 23, 2020 11:56:56 GMT -5
9/1: No spend. 9/2: Spent $7.75 at the baseball concession stand & $5.34 at coffee shop= 13.09 9/3: No spend 9/4: No Spend. 9/5: DS1 and I had a mom/son date (shopping for his birthday party) and had lunch. Spent $14.20. Also spent $21.40 at Bath & Body Works, but we are stocked up on hand soap for awhile. 9/6: No spend. 9/7: Took DS1 to lunch for his birthday: $15 9/8: No spend. 9/9: $5 at concession stand. 9/10: $4 at concession stand (change jar coins) 9/11: No spend 9/12: Spent $15 at grand opening event of my favorite cookie baker. My sister and I stopped by her new storefront on the way to our aunt's funeral- it was a nice treat to get through that. 9/13: No spend. 9/14: No Spend 9/15: $3 in concession stand 9/16: No Spend 9/17: No Spend 9/18: Spent $10.00 at bakery, Spent $15.00 at coffee shop (family day out) 9/19: No Spend 9/20: No Spend 9/21: No SPend 9/22: Spen $4 at concession 9/23: 9/24: 9/25:
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Post by nikiz628 on Sept 17, 2020 20:14:55 GMT -5
swordguy , that's a significant reduction! Awesome sauce! I got my official offer yesterday and, after taxes, I'll be taking home $1807.69 every two weeks which means my SLs will be paid off nlt the 15th of the month. Two fewer debts, here I come! When they're paid, I'll post my next update. I am so stinking excited for you!!!
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Post by nikiz628 on Sept 17, 2020 20:13:33 GMT -5
9/1: No spend.
9/2: Spent $7.75 at the baseball concession stand & $5.34 at coffee shop= 13.09
9/3: No spend
9/4: No Spend.
9/5: DS1 and I had a mom/son date (shopping for his birthday party) and had lunch. Spent $14.20. Also spent $21.40 at Bath & Body Works, but we are stocked up on hand soap for awhile.
9/6: No spend.
9/7: Took DS1 to lunch for his birthday: $15
9/8: No spend.
9/9: $5 at concession stand.
9/10: $4 at concession stand (change jar coins)
9/11: No spend
9/12: Spent $15 at grand opening event of my favorite cookie baker. My sister and I stopped by her new storefront on the way to our aunt's funeral- it was a nice treat to get through that.
9/13: No spend.
9/14: No Spend 9/15: $3 in concession stand 9/16: No Spend 9/17: No Spend 9/18: 9/19: 9/20:
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