nikiz628
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Post by nikiz628 on Feb 14, 2020 13:25:09 GMT -5
Update Race 4: 2/14/2020
RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24,945.53
| $23,535.20
| $23,233.67 | -301.53 |
NikiZ628(4) 2/14/2020 $23,233.67 (6/26/19 $25,195 WIRR197) Total Paid in 2020: $592.66 Total Amount Paid Off: $1,961.33
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nikiz628
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Post by nikiz628 on Feb 14, 2020 12:56:06 GMT -5
Another offer has been presented on the house. Fingers crossed!! Crossing EVERYTHING!!!!
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Post by nikiz628 on Feb 14, 2020 12:53:20 GMT -5
New refrigerator is here and running. It is so quiet. It's as clean as it can get under and behind the fridge. Besides cat hair, there was one cat toy, the top of a milk jug and a tube of chap stick under the fridge. Not bad. That's impressive. I'm scared to see what is under ours.
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nikiz628
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Post by nikiz628 on Feb 12, 2020 21:55:15 GMT -5
I haven't updated on our attic to bonus room reno lately. We are *this* close to having a finished room. Drywall is being put up now by H and myself. We plan to hang DIY ship lap like we did in our bathroom so drywall finishing will be much easier. Paint. Install the lights. Install the carpet. That's it and we can finally "move" in to the room! The kids are getting very excited for their new play area.
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nikiz628
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Post by nikiz628 on Feb 12, 2020 21:48:54 GMT -5
TheOtherMe, Good for you for being so persistent! Even though he is gone, you still continue to rock being his daughter. It's a true shame that shoddy customer service tends to be the norm when dealing with places like this. I am sure there are real instances that things would need to be delayed, but for the "average joe" claim, just cut the dang check and move on with the next case. I hope they actually follow up with you once it's issued.
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nikiz628
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Post by nikiz628 on Feb 10, 2020 18:54:43 GMT -5
I caught up on some tv shows last night and did some organizing on my laptop. I have a TON of cut files for my Silhouette machine and they weren't super organized. I went through and created organized folders for each type of file, so that I can find them easily. It was tedious but I am so glad I took the time to do it.
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nikiz628
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Post by nikiz628 on Feb 10, 2020 18:51:38 GMT -5
Spending Tracker for February:
2/3 $0 2/4 $77.55 2/5 $0 2/6 $32.54 2/7$21.00 2/8$0.00 2/9$27.00 2/10$0.00 2/11 2/12 2/13 2/14 2/15 2/16 2/17 2/18 2/19 2/20 2/21 2/22 2/23 2/24 2/25 2/26 2/27 2/28 2/29
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nikiz628
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Post by nikiz628 on Feb 6, 2020 15:43:39 GMT -5
I spent a lot of January doing "spring cleaning" because we are just too busy in the spring for anything that time consuming. I managed to get it done when I was having what I call "good thyroid days". I purged, organized, deep cleaned every room in the house! I just sat down to tally my purge count and I officially moved 549 items out of the house! (Trash/Donate/Sell). That puts me over halfway to my 1,000 goal this year!
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Post by nikiz628 on Feb 4, 2020 22:02:56 GMT -5
Goals for the week:
2/3 No Spend. --Accomplished! 2/4 Taco Tuesday with Friends, budgeted expense.- I made a kid free trip to Hobby Lobby today, spent $77.55. 2/5 No Spend-- Accomplished. 2/6 No Spend- Spent $32.54 at Walmart. Picked up needed items (milk) but bought a couple things we didn't need as well. 2/7 No Spend 2/8 No Spend
Spending Tracker for February: 2/3 $0 2/4 $77.55 2/5 $0 2/6 $32.54 2/7 2/8 2/9 2/10 2/11 2/12 2/13 2/14 2/15 2/16 2/17 2/18 2/19 2/20 2/21 2/22 2/23 2/24 2/25 2/26 2/27 2/28 2/29
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Post by nikiz628 on Feb 3, 2020 21:42:33 GMT -5
nidena- Woof. Sounds like you escaped a truly toxic environment. That being said, Welcome to Indiana!
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nikiz628
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Post by nikiz628 on Feb 2, 2020 22:10:11 GMT -5
I emptied the dishwasher. For some reason, I really do not like emptying the dishwasher. Me too! I have a mental block about it lol.
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Post by nikiz628 on Jan 30, 2020 23:52:44 GMT -5
SPENDING TRACKER: JANUARY
6-15: $0.00 16: $0.00 17: $0.00 18: $0.00 19: $0.00 20: $0.00 21: $6.20 22: $13.84 23: $0 24: $99.50 25: $0 26: $6.00 27: $2.26 28: $0 29: $9.24 30: $5.13 31: $50.00
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Post by nikiz628 on Jan 28, 2020 19:33:30 GMT -5
Update Race #2 1/28/2020Race #2 | INTEREST | ORIGINAL | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93
| $11,946.10
| $11,575.84 | -370.26 |
NikiZ628 (2): 1/28/20 $11,575.84 (3/26/18 $32,991.93) Total Paid in 2020: $370.26 Total Paid Overall: $21,416.09 My goal for 2020 is to get this loan under $7,500.....
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nikiz628
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Post by nikiz628 on Jan 27, 2020 17:11:26 GMT -5
Can I cry now? ISO and i went out of town for a volunteer commitment and I got stuck with the meal tab. $110 later I'm up to $253 Ouch.
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Post by nikiz628 on Jan 27, 2020 15:54:29 GMT -5
UPDATE 1/27/2020
2020 Savings | START | CURRENT | GOAL | STILL NEED | Emergency Fund | $1,000.00 | $1,222.08 | $2,000.00 | $777.92 | DS1's Savings | $1,960.29 | $1,960.29 | $2,200.00 | 239.71 | DS2's Savings | $734.55 | $734.55 | $850.00 | 115.45 | TOTALS | 3,694.84 | $3,916.92 | 5,050.00 | 1,133.08 |
NikiZ628 1/27/20 $3,916.92 (Goal $7,300 WIRS2)
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nikiz628
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Post by nikiz628 on Jan 27, 2020 15:47:44 GMT -5
nikiz628 , that is very kind of you to watch your friend's son. And happy belated anniversary! Thank you. It feels nice to help in anyway I can in such a sad situation. They have enough to worry about, hopefully knowing their kid is in good hands takes one thing off their plate.
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Post by nikiz628 on Jan 27, 2020 15:36:15 GMT -5
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Post by nikiz628 on Jan 27, 2020 15:33:56 GMT -5
I've been super busy but can say we have spent $0 to date on non essential spending (since we started our NS on 1/6). Going back on WW on the 6th has really helped, and so has declaring it a No fast food month. They also did away with $1 tacos at our local Mexican restaurant (meat prices went up), so our little Tuesday dinner group is trying to figure out how we will proceed with our weekly date night together. Someone mentioned just rotating houses and I loved the idea. I would only have to cook for 11 every 3 weeks so it wouldn't be too bad at all. SPENDING TRACKER: JANUARY 6-15: $0.00 16: $0.00 17: $0.00 18: $0.00 19: $0.00 20: $0.00 21: $6.20 (ordered DS1 a new pair of sunglasses for baseball season, he doesn't NEED them, but his current pair aren't going to last long) 22: $13.84 23: $0 24: $99.50 25: $0 26: $6.00 27: $2.26 28: 29: 30: 31: We are still doing really well at not spending this month. We spent $13.84 at McDonald's the other night, which went against our "no eating out" goal for January. We would not have done this, but we have had our friend's son every evening for the past week. TW: Our friend's 23 year old sister OD'd and passed away, so we have had their son (who is our son's best friend) while they have been at the hospital/dealing with all of that. She was an organ donor so it made the process last 2 more days after she actually passed before they were done sitting at the hospital everyday. But she may save 8 lives with her donations, so silver linings. The 24th was our 15 year dating anniversary, and we had a giftcard to Longhorn that was gifted to us awhile back. We needed a kid free evening, so we went and had dinner together. After the gift card it was only $13.50 for remaining balance and tip- not too shabby. The rest of the money spent that night was at TJMaxx. I bought a new purse, H bought some work shirts, we also picked up a couple things for the kids. None of it was a NEED NEED, so I am tracking it at nonessential spending. The $6.00 spent on the 26th was my H ordering breadsticks for himself at a pizza place. We picked up dinner for our friends so they wouldn't have to worry about it, and he added on an order for himself. The rest of the month should be a complete no spend (fingers crossed).
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nikiz628
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Post by nikiz628 on Jan 22, 2020 15:50:46 GMT -5
My kids went thru the DVDs and have a stack of them that they no longer want to keep. I'm assuming it counts as long as it leaves my house. It definitely counts.
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Post by nikiz628 on Jan 21, 2020 18:50:32 GMT -5
LOL. I read somewhere that they have more round-a-bouts than anywhere else in the country. I believe that completely.
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Post by nikiz628 on Jan 21, 2020 16:30:13 GMT -5
Carmel- the city of endless round-a-bouts. We traveled their a lot when DS1 broke his femur. Riley North in Carmel is a spectacular facility. I just hate those damn round-a-bouts. But it is so gorgeous there. Last I saw, they're up to 110 of them. Oh that's all? lol
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Post by nikiz628 on Jan 21, 2020 15:43:53 GMT -5
Ding Dong.....door bell rang about 4 PM yesterday. Gentleman asked if I was Bobcatkitty and I said yes.....then!!!! the magic words " you've been served". Yes dear money saving friends. Due to a stint on the local (26K) people community HOA I am being served along with 46 other past or present board members, we've been sued for $4.1M and a jury trail has been requested. Break that down and we all would owe $100K , Oh what I joy. I never wanted to live in that damn place to begin with it was my late DHs idea. If I could get my hands on him now I'd strangle him. I did do some loud hollering at him but doubt he heard it. I have 30 days starting today to answer the summons, but need to talk to a couple of other previous board members to see where this is going. Whoa.
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Post by nikiz628 on Jan 21, 2020 15:42:22 GMT -5
nidena- Living with others is always a challenge, even more so when they behave like you have described. I am crossing everything that you can escape that situation ASAP AND find the perfect place to call home here in Indiana.
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Post by nikiz628 on Jan 21, 2020 15:40:14 GMT -5
I picked up our new towels on the way home from work today. I'm happy with them. Doing laundry now. Tuesdays are long days this semester. Still much better than first semester last year when I cried on my way home every Tuesday.
busymom are you still looking for a job? nikiz628 I saw your post on the Controlled Spending thread. I read but don't post there, so I didn't feel comfortable posting this there, but I had an idea about your "taco Tuesdays" ... you could always alternate houses and go out once a month. That would mean you each host dinner once/month instead of once/every three weeks. And it would be fun to go out together sometimes. Just a thought. I like that suggestion too! It really doesn't matter where we go, we just enjoy each other's company. All of our kids are best friends, so they enjoy the friend time as well. We aren't doing anything today because of busy schedules, but I will pitch that idea for sure.
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Post by nikiz628 on Jan 21, 2020 15:39:17 GMT -5
Are you familiar with Indianapolis? What side of town? Do you still work? Some areas have a lot of traffic during morning and evening commutes. Personally, I would look outside of 465. Some of the northern suburban areas have made the "best places to live" lists: Fishers, Carmel, Noblesville, Zionsville. I'm game to looking anywhere in the Indy area so long as those criteria are met for sure. I just tend to say Indy because most people outside of Indiana have no idea about Fishers, Carmel, etc. Carmel- the city of endless round-a-bouts. We traveled there a lot when DS1 broke his femur. Riley North in Carmel is a spectacular facility. I just hate those damn round-a-bouts. But it is so gorgeous there.
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Post by nikiz628 on Jan 20, 2020 15:55:51 GMT -5
TheOtherMe- Just when I think your sister can't hit a new low, she goes and surprises me. I am so sorry she did that to you.
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Post by nikiz628 on Jan 20, 2020 15:52:45 GMT -5
I've been super busy but can say we have spent $0 to date on non essential spending (since we started our NS on 1/6). Going back on WW on the 6th has really helped, and so has declaring it a No fast food month. They also did away with $1 tacos at our local Mexican restaurant (meat prices went up), so our little Tuesday dinner group is trying to figure out how we will proceed with our weekly date night together. Someone mentioned just rotating houses and I loved the idea. I would only have to cook for 11 every 3 weeks so it wouldn't be too bad at all. SPENDING TRACKER: JANUARY 6-15: $0.00 16: $0.00 17: $0.00 18: $0.00 19: $0.00 20: $0.00 21: $6.20 (ordered DS1 a new pair of sunglasses for baseball season, he doesn't NEED them, but his current pair aren't going to last long) 22: 23: 24: 25: 26: 27: 28: 29: 30: 31: Basically we are kicking January's @$$ right now, with regards to unnecessary spending! I am definitely excited by this.
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Post by nikiz628 on Jan 19, 2020 17:03:24 GMT -5
I've been looking at houseporn on realtor.com for Indianapolis but I don't think that I'll be able to really trek over there for at least another month. What I net from selling the house should pay off most of the CC and then I'd like to pay off the rest of it with what used to be my mortgage payment. After that, the plan is to put it in savings. Thankfully, if I use a VA loan, I won't have to put any money down on my next house. So, no, not moving before "calendar" spring. What area are you looking at in Indy? I lived downtown for a little while. I have a friend who lives in Greenwood right now and loves it. Another lives in the Fishers/Carmel area and loves it too (although that area is pricier).
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My dad
Jan 16, 2020 14:07:46 GMT -5
via mobile
Post by nikiz628 on Jan 16, 2020 14:07:46 GMT -5
Funeral home misplaced death certificate. Sister is pissed and is going to call the director. She said the woman she talked to was quite snooty about it, like it was our fault they misplaced the death certificate. They have had it since December 31. Sister received copies yesterday and took a copy to attorney. Court has appointed her executor so newspaper notice is being readied. She still doesn't know how to scan. Good lord. 🙄
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Post by nikiz628 on Jan 15, 2020 22:29:48 GMT -5
Yay DH just bought me my Christmas present! He bought me a pair of lovely fuzzy slippers but told me he owed me another present. I told him I wanted a sweater. Tonight I mentioned to DH that one of the staff members I teach has a gorgeous SAD lamp. I asked her about it, she proudly told me it cost 130 euros ($143) and sent me the link. I said it's very pretty, but that's pricey for me. She said, I understand, but I like pretty things. It was a really nice-looking lamp, but at that price, no way. I checked online several times, hoping it would go on sale. No luck. Tonight, SCORE!!! Not a sale, but I found the exact same lamp elsewhere on Amazon, for 69 euros ($77)! DH just ordered it for me, for Christmas. :-) Unlike that staff member, I do NOT have an office or even a desk at work. I'll set it up on the LR low table where I check my email/drink my coffee before work. Do any of you have a SAD lamp? Does it help? Frankly I've wanted one for years, but I was never sure whether it really did anything. She kindly put it in the middle of her desk to show me. I felt so good after our class!
At more or less half-price, now I can find out for myself. :-) I had to google what a SAD lamp is.. but now that I see what it does I think it would help me a lot.
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