nikiz628
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Post by nikiz628 on Jul 7, 2020 11:18:46 GMT -5
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nikiz628
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Post by nikiz628 on Jul 7, 2020 11:17:55 GMT -5
I missed my update for last month. We ran away to Michigan City for a few days to social distance on the beaches of Lake Michigan. Plus, our $$ situation is wonky right now as we have just wrapped up our refi, moved $ around, etc. I will definitely have things sorted out by the end of the month.
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nikiz628
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Post by nikiz628 on Jul 6, 2020 23:04:57 GMT -5
Sigh. I'm adding one project and one potential organizational nightmare.
We're getting a new fifth wheel trailer. I need to clean out the current one. Then, I'll have to set up the new one.
Also, we've decided to take out a HELOC. We're going to redo the backyard walking path and area surrounding the fire pit. We're also going to build a room inside of our garage to create an exercise room.
I meant to deep clean my bathroom today, but I was lazy instead. My sister and BIL just sold their camper. Her house currently looks like it exploded on the inside. She’s been going through it all since she doesn’t need 2 of most things anymore.
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nikiz628
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Post by nikiz628 on Jul 6, 2020 19:39:49 GMT -5
TheOtherMe- Sending you good healthy vibes that you are safe from the exposure. You have done so well self isolating, it would be so cruel for you to get it that way. And I am sorry this means you won't get to see the baby. I am still steadily selling on my fb group, which is nice. I would love to get these totes out of my dining room. I have also been working my way through the travel toiletries I talked about here not too long ago. I think I've managed to use up 4 bottles so far. And I am halfway through a bar of soap, which I hate using. But it works okay for shaving cream lol. Now for an update OPPOSITE of decluttering- we are ACQUIRING a new puppy on Wednesday. I have been the NO gal for years on getting a dog, because I know it will end up on my plate of responsibilities. But the boys (and H, surprisingly mostly H) have been begging. I caved and put several stipulations on the acceptance, so fingers crossed my kids hold up their end of the deal. We have to drive to Iowa to get her, but she is absolutely adorable. She's a 9 week old Poochon (Bichon friese/poodle mix). Everything I have read about them is great. Hypoallergenic, doesn't shed, super smart, easy to train, great with kids. That's a whole lot of checkmarks checked on my list of qualities in a dog. I am going to come back and add a photo of her sweet face to this post.
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nikiz628
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Post by nikiz628 on Jun 24, 2020 22:56:47 GMT -5
UPDATE RACE #4 6/24/2020
RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $22,044.43 | $21,740.70 | -303.73 |
NikiZ628(4) 6/24/2020 $21,740.70 (6/26/19 $25,195 WIRR197) Total Paid in 2020: $2,085.63 Total Amount Paid Off: $3,454.30
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nikiz628
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Post by nikiz628 on Jun 23, 2020 22:28:10 GMT -5
Sales are holding steady in my sale group on FB, so I am continuing to unload my excess items. I went through my dresser yesterday, not so much to purge, but to just refold and neaten the items in the drawers. I found a few items that used to be TOO small that now fit, thanks to PURGING 43 lbs since January!
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nikiz628
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Post by nikiz628 on Jun 23, 2020 12:36:21 GMT -5
I feel like I have fallen completely off the no spend wagon since all the covid crap started. I haven't even kept track of what has been necessary vs. unnecessary spending.
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Post by nikiz628 on Jun 23, 2020 12:30:56 GMT -5
I locked in a rate of 3.5% for the mortgage. The last round of draft closing documents showed that ~$2000 coming back to me. I don't think that's right but there's a possibility that I may get something back because the estimate for them is ~$3500 and, between my earnest money and credit from the seller, there's $4000 in my favor. If I do have anything coming back, I can choose to receive it via actual money back or use it to buy down the rate a little more. If I have enough to buy it down to 3 AND I make payments = to what I'm paying in rent, I'll cut total interest in half. That would knock 10 years off the paydown, too. So, we'll just see how everything plays out. Another update to the paperwork...rate is 3.25%. And, I may be able to close earlier than the 10th because all the ducks are lining up very quickly. Wonderful news!
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nikiz628
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Post by nikiz628 on Jun 19, 2020 22:16:04 GMT -5
debthaven- Sending wishes for speedy recovery!
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nikiz628
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Post by nikiz628 on Jun 17, 2020 22:06:21 GMT -5
UPDATE: Race #2 6/17/2020
Race #2 | INTEREST | ORIGINAL | LAST UDPATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $10,030.82 | $9,641.59 | -389.23 |
NikiZ628 (2): 6/17/20 $9,641.59 (3/26/18 $32,991.93)
Total Paid in 2020: $2,304.51 Total Paid Overall: $23,350.34*My goal for 2020 is to get this loan under $7,500..... ***OFFICIALLY UNDER THE $10,000 MARK THIS UPDATE!!!
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nikiz628
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Post by nikiz628 on Jun 17, 2020 21:21:07 GMT -5
My internet has been going off frequently for the past few months, and I was pretty sure it was the modem. I went to the cable company today and swapped it for a new one, which I then had to install and register. I was on hold with the cable company for an hour waiting to talk to someone in tech support about registering my new modem. (This was after I had been talking to someone and gotten disconnected). While sitting around waiting, I saw a bin full of stuff that I had emptied out of my old computer desk and hutch over 5 years ago, and figured that if I hadn't needed this stuff for 5 years, I could probably get rid of most of it. I made a pretty good dent in it before the tech finally got on. That's multitasking at it's finest!
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nikiz628
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Post by nikiz628 on Jun 15, 2020 16:17:39 GMT -5
I finally got around to inviting people to my FB sale group AND listed items. I've unloaded about $60 worth of clothing and misc. so far. I need to go in the basement because I have several things that are brand new in boxes that I can list. It's a pain in the butt taking all the pics, but its still easier (and safer right now) than a yard sale.
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nikiz628
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Post by nikiz628 on Jun 13, 2020 10:38:02 GMT -5
I finally started listing items in the sale group I made on FB last night. I've already sold 9 items. And since the only members are my friends, I am comfortable having them come here to pick them up. I told them I can even just do porch pickups and bag and leave them on our porch. I will be listing more today, so hopefully I unload even more!
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nikiz628
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Post by nikiz628 on Jun 13, 2020 10:36:13 GMT -5
TheOtherMe- I absolutely LOVE the memory keepsakes!
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Post by nikiz628 on Jun 11, 2020 18:39:12 GMT -5
H and I went to the title co this morning and signed the papers for our refi. Our cash out will hit our account in 3 business days.
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Post by nikiz628 on Jun 9, 2020 0:24:19 GMT -5
chiver78- I think you’re the sole human who isn’t getting screwed by 2020! 🤣 Seriously though, huge CONGRATS on that bonus!!!
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Post by nikiz628 on Jun 8, 2020 14:16:09 GMT -5
Here is what I found in random bath items today: Full Size Products- all partially used 2 Shampoo 3 Conditioner 1 Hairspray (brand new, i got it from my SIL as a Christmas gift- totally forgot) 1 Mousse 1 Sea Salt Texturizing Spray 2 Leave in Conditioning Treatments (same exact items, going to marry the bottles) 4 Lotions (1 brand new) Travel Sized Products- mostly unused, some partially used 3 Face Washes 24 Shampoo 18 Conditioner 1 Body Wash 15 Bars of Soap 2 Lotions This should really last us several months, which will be great for my grocery budget! I also found several sunscreens partially used (and still new enough to be effective). I will work on emptying these out before I get more. I was able to purge a can of spray on sunscreen today! Also tossed a few items I didn't need. Purge count to date: 1,175/1,000 items Shampoos also make great body washes. And the bar soap should go quickly. Have used them for that many times! I also use conditioner as shaving cream.
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nikiz628
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Post by nikiz628 on Jun 6, 2020 22:58:20 GMT -5
Here is what I found in random bath items today:
Full Size Products- all partially used 2 Shampoo 3 Conditioner 1 Hairspray (brand new, i got it from my SIL as a Christmas gift- totally forgot) 1 Mousse 1 Sea Salt Texturizing Spray 2 Leave in Conditioning Treatments (same exact items, going to marry the bottles) 4 Lotions (1 brand new)
Travel Sized Products- mostly unused, some partially used 3 Face Washes 24 Shampoo 18 Conditioner 1 Body Wash 15 Bars of Soap 2 Lotions
This should really last us several months, which will be great for my grocery budget!
I also found several sunscreens partially used (and still new enough to be effective). I will work on emptying these out before I get more. I was able to purge a can of spray on sunscreen today! Also tossed a few items I didn't need.
Purge count to date: 1,175/1,000 items
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nikiz628
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Post by nikiz628 on Jun 6, 2020 22:34:49 GMT -5
nidena- The Midwest may not have much to offer, but that low COL is sure worth it lol.
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Post by nikiz628 on Jun 6, 2020 16:40:19 GMT -5
startsmart -- Safe travels and I hope you find your new abode. debthaven -- Sorry to read about your DH's fall. Hope that the treatment remains minor. Take care of yourself as well. TheOtherMe -- Like the idea of a memory bear. Rukh O'Rorke -- Completely with you about trying to make things easier for your kids. That is one of the reasons I am trying to got through things and donate what I can. I still have too much stuff but am not bringing in more items than I am getting out. When my DH passed out local library received several hundred of his books. I have been slowly donating some of the ones I had prior to the shutdown and will start back when things start getting more back in order. nikiz628 -- I have a place for all of those little bit and drabs and have been using them as well. I do keep one or two in case I need to spend the night somewhere and I need to bring my own items. I have one craft retreat like that. Otherwise I use them up. We have some adorable Mickey ear bottles from Disney (they no longer give these in the rooms because they put in refillable wall dispensers). I was hesitant to use them up because they are so cute, but then I realized- DUH- I can totally keep a couple to refill with our products when we travel. 🤦🏽♀️
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nikiz628
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Post by nikiz628 on Jun 6, 2020 8:36:00 GMT -5
Inspired by this thread, my plan today is to gather up all my random hygiene/beauty products in the house to see what I’ve not used up (including travel sized items). My goal is to not have to purchase these items for the next month or two by using up the half used items. I’ll post what I find later.
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nikiz628
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Post by nikiz628 on Jun 5, 2020 22:04:49 GMT -5
Do my kids need 529 accounts? I have debated opening accounts for them for years, mostly because I wasn't sure if it was a true need for them or just something that is helpful. Pros? Cons? Opinions?
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nikiz628
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Post by nikiz628 on Jun 5, 2020 21:46:19 GMT -5
Well our refi closing that was scheduled for Monday got pushed to Thursday, thanks to our current mortgage company. They never sent the payoff info to the new lender. Annoying. We were able to get it in just a few minutes on our own, but too late for the Monday appointment. Oh well, at least we are wrapping this up next week.
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nikiz628
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Post by nikiz628 on Jun 4, 2020 18:26:23 GMT -5
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Post by nikiz628 on Jun 3, 2020 22:57:30 GMT -5
It finally updated on the Nelnet site. Thank goodness.
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Post by nikiz628 on Jun 3, 2020 22:56:24 GMT -5
OOOh OOh what area of Indy?!?!? Just outside the loop, in Lawrence. Very exciting!!! I hope it works out for you!
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Post by nikiz628 on Jun 3, 2020 21:46:21 GMT -5
idlechatter- I love that you're making self care a priority! What a great way to easily work it into your week.
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Post by nikiz628 on Jun 3, 2020 21:45:23 GMT -5
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Post by nikiz628 on Jun 3, 2020 20:14:48 GMT -5
I found a house to buy!! It's not even on the market yet. My agent and I are gonna discuss the details tomorrow. OOOh OOh what area of Indy?!?!?
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Post by nikiz628 on Jun 2, 2020 12:27:35 GMT -5
We just found out we are closing on our refi on Monday at 10:30 a.m.! So excited to finish this up and get my new numbers and payments sorted out!
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