nikiz628
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Post by nikiz628 on Aug 5, 2021 9:00:45 GMT -5
Very happy to report that my last day of employment is coming soon, later in August. I have been able to max my 401K (26k) for the year. The final paycheck will include a bonus for 'staying' through the sale of the company and I am not certain what to do with it. This is just a bit earlier than I thought I would be retiring, I am almost 61 and my plan was to be done by 62. The past 6 months have been very stressful so I'm sure there will be a period of adjustment/reset/whatever they call it. Ready for this new stage of life! Congratulations!!
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nikiz628
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Post by nikiz628 on Aug 2, 2021 20:59:55 GMT -5
Kids room back to school clean up is complete. I pulled 40 items DS1 had out grown, but I won’t count these towards the summer 100 challenge because I am keeping them in a tote for DS2 to grow in to. However, I did pull and can count 92 items that DS2 had outgrown. These will be sold or donated. Now the rooms and closets are neat and tidy and ready to go back to school next Tuesday.
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nikiz628
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Post by nikiz628 on Aug 1, 2021 21:03:31 GMT -5
Knee Deep in Water Chloe- No real side effects experienced! Just a sore, swollen arm. Nothing I couldn't handle. I've heard its round 2 that really pulls the rug out from under you.
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nikiz628
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Post by nikiz628 on Jul 29, 2021 11:41:17 GMT -5
Good luck chiver78, I hope you meet the criteria and save yourself some MOOOOLA.
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nikiz628
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Post by nikiz628 on Jul 29, 2021 11:40:35 GMT -5
I need to update when I get back from getting my Covid vac today, but I will admit I've lost track of a few days...
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nikiz628
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Post by nikiz628 on Jul 29, 2021 11:34:36 GMT -5
I am finally going for my COVID vaccine today, in about 30 minutes actually, so I am hoping that I don't get knocked off my feet after. My goal for the next few days is to do the "back to school" organizing of both boys' bedrooms, so we can start the school year off on a good foot. I need to go through the clothes and play the "does this still fit" game and just do a general put everything in its place from a summer of lazy cleaning.
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nikiz628
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Post by nikiz628 on Jul 29, 2021 11:31:27 GMT -5
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nikiz628
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Post by nikiz628 on Jul 22, 2021 13:43:37 GMT -5
whats the mileage on the SUV, Niki? I've also got a 2013, but mine is about 175k miles at this point. I put about $1100 into it a couple months ago, figuring I will drive it til it refuses to move. since I WFH full time now, I really don't go anywhere anymore. this decision really is a balancing act. thanks, all. I asked them to send me more info on the process, it's coming by snail mail. what I'd love to know is if I have an opportunity after the realtor-determined value comes back, if I don't meet the 80%LTV, to make a lump sum payment to meet it. or, do I have to already be there when I initiate the process? I'm not doing anything today, definitely want to take a closer look at the fine print. 116,445 at last glance
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nikiz628
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Post by nikiz628 on Jul 21, 2021 22:18:33 GMT -5
I am also in a situation that I would love some honest feedback on..
My car.
I am currently driving a 2013 Acadia SLE-1. I currently owe $4,502.95 on the loan with a 4.25% interest rate. KBB is giving a trade in value range right now of $8,341-$11,194 (with $9,768 being the average). My payment is $420 a month, because at one point H's truck was also on this loan but we sold it and paid off what his balance was. I kept the payment the same to get it paid down faster.
Now here is my current internal battle. Cosmetically my car is in pretty great condition, with just a few minor scratches and a small dent/hole in the dash (previous owner probably had an aftermarket navi attached). I just worry about the car's mechanical condition. It's okay right now but it's hitting that point where things are starting to have issues. The power lock quit working in my driver door. The car jerks a little (very sporadically) when it shifts gears like the tranny is starting to go out. I've had minor issues with some valves as well, but those don't concern me as we can fix them pretty cheaply and easily. It's the big stuff I am worrying about.
Do I keep the SUV, pay it off at the speed I am now (decreasing about $400 a month), and hope that no major issues arise that would affect the trade in value later on? Do I trade it in now while it's still worth a lot more than I owe on it and get a new to me car with potentially a lower payment? The thought of getting so close to paying this loan off and not having a car payment excites me. But the fear that the value isn't going to be there when I need it to is also freaking me out a bit.
WhatWouldWIRRDo?
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nikiz628
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Post by nikiz628 on Jul 21, 2021 22:04:02 GMT -5
I would pay the $150 to see where you stand. You may not need to pay $6k to principal to make things better. I vote this too chiver78. Then if you aren't there, you are only out $150. And you'll know where you stand to revisit it in 6 months.
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nikiz628
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Post by nikiz628 on Jul 21, 2021 21:59:42 GMT -5
The gameplan is to go through both boys' dressers and closets tomorrow to do the "does this still fit" test before school starts back up next month. That should get my 100 item summer goal going strong lol.
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nikiz628
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Post by nikiz628 on Jul 16, 2021 4:07:15 GMT -5
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Post by nikiz628 on Jul 12, 2021 15:35:58 GMT -5
We are really focusing on intentional spending this month, after a few chaotic months of nutty spending. As much as we plan ahead during baseball season, we just end up throwing money at drive thrus, random shopping, etc. [If you aren't aware, my H and I are executive board members for our Little League so we spend about 10-11 weeks in utter chaos each spring] We are nearing our money hemorrhage season- back to school (BOTH boys are now in school this year so yay for double registration fees and supply costs), H's birthday, both boys' birthdays, my birthday (although I request homemade cards and a homemade dinner as a gift), A BAJILLION friend birthdays of our kids (I swear fall is the baby boom month), and of course the holidays. Basically the rest of the year stings the wallet. I am doing my best to plan plan plan and STICK with the plan. July Spending Tracker1 No Spend 2 No Spend 3 No Spend 4 No Spend 5 Spent $30 at the movies and $43 for dinner and treats- budgeted as Summer Bucket List items to do with the kids 6 No Spend 7 No Spend 8 Grocery Day! I have a detailed list made. Kids will not be excited when I veto "please can I have this?" requests today. 9 No Spend 10 Spent $29 on breakfast when DS1's baseball game was delayed due to rain., Spent $100 at Target, but this was for school clothes for the boys and H. So, it's budgeted. 11 No Spend 12 Spent $19 on pizza dinner 13 Spent $30 taking the boys out for treats. Also let them spend their own money at Walmart ($0 out of my pocket). Spent $10 ish on clearance finds at Meijer (garden items). 14 No Spend 15 I spent about $14 on lunch for the boys today. I was working on orders for my side hustle, so I paid for the lunch with my income from that. 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
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nikiz628
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Post by nikiz628 on Jul 9, 2021 22:18:14 GMT -5
I spent 2 hours today giving our master bedroom a good clean. It always seems to be the catch all and I was so tired of it not feeling cozy. It's the cleanest it's been in months!
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Post by nikiz628 on Jul 8, 2021 9:30:23 GMT -5
UPDATE RACE #4 RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $18,787.87 | $18,160.88 | -626.99 |
NikiZ628(4) 7/8/2021 $18,160.88 (6/26/19 $25,195 WIRR197) Total Paid in 2021: $2,414.15 Total Amount Paid Off: $7,296.04
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Post by nikiz628 on Jul 8, 2021 9:21:46 GMT -5
seriousthistime- Don't apologize for being preoccupied with your sweet grandson! He is more important than our smilies and we totally understand that.
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Post by nikiz628 on Jul 8, 2021 9:20:47 GMT -5
H took a 5 day weekend this past week. We really worked to keep it relaxing and low key after the super busy months we just finished. But we did spend the first day of his vacation tidying up the episode of Hoarder's happening in our garage. There was a TON of cardboard from our pool. And lots of trash that just needed thrown out. The rest of the mess was really just putting stuff back where it goes. I have my corner of "I am getting rid of these items" to go through and either sell or donate. He has his workbench that is currently buried with tools and misc that just needs put away- and then the garage is back to perfect order. It's been so dang hot here that we won't get back out to work in there any time soon unless its evening and cooler.
We also took the boys hiking at the State Park and to the movies and out for ice cream at this cute little diner near us.
I finally feel like i am caught back up inside the house. Laundry was nuts. Piles of random items and paperwork were all over the place. It does my anxiety good to get some order back into my life.
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nikiz628
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Post by nikiz628 on Jul 8, 2021 9:17:13 GMT -5
We are really focusing on intentional spending this month, after a few chaotic months of nutty spending. As much as we plan ahead during baseball season, we just end up throwing money at drive thrus, random shopping, etc. [If you aren't aware, my H and I are executive board members for our Little League so we spend about 10-11 weeks in utter chaos each spring] We are nearing our money hemorrhage season- back to school (BOTH boys are now in school this year so yay for double registration fees and supply costs), H's birthday, both boys' birthdays, my birthday (although I request homemade cards and a homemade dinner as a gift), A BAJILLION friend birthdays of our kids (I swear fall is the baby boom month), and of course the holidays. Basically the rest of the year stings the wallet. I am doing my best to plan plan plan and STICK with the plan. July Spending Tracker1 No Spend 2 No Spend 3 No Spend 4 No Spend 5 Spent $30 at the movies and $43 for dinner and treats- budgeted as Summer Bucket List items to do with the kids 6 No Spend 7 No Spend 8 Grocery Day! I have a detailed list made. Kids will not be excited when I veto "please can I have this?" requests today. 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
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Post by nikiz628 on Jun 20, 2021 23:24:34 GMT -5
UPDATE 6/21/21 2021 Savings | START | CURRENT | GOAL | STILL NEED | Emergency Fund | 1,600.56 | 1500.00 | 3,000.00 | 1,500.00 | DS1's Savings | 2,202.03 | 2342.20 | 2,500.00 | 157.80 | DS2'2 Savings | 962.43 | 1092.50 | 1,250.00 | 157.50 | Christmas Fund | 1.05 | 485.28 | 1,000.00 | 514.72 | TOTALS | 4,766.07 | 5,419.98 | 7,750.00 | 2,330.02 |
NikiZ628 6/21/21 $5,419.98 (Goal $7,750.00 WIRS1)
I didn't realize how long it had been since I posted an update. EF isn't growing like I would like, but it only dropped $100 since I last updated. Every other fund has increased!!
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nikiz628
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Post by nikiz628 on Jun 20, 2021 23:16:00 GMT -5
UPDATE RACE #5 6/21/21RACE #5 | Interest Rates | Starting Balance | Last Update | This Update | Difference | Citi Best Buy | 0% promos only | 1803.93 | 1610.00 | 845.00 | -765.00 | Discover | 22.9% | 6501.76 | 6760.00 | 8000.00 | +1,240.00 | Capital One Quicksilver | 22.9% | 4200.00 | 4080.00 | 3800.00 | -280.00 | Menards Store Card | 26.49% | 2252.61 | 0.00 | 0.00 | Paid Off 8/11/20 | TOTALS |
| 14,758.30 | 12,450.00 | 12645.00 | +195.00 |
NikiZ628 (5):6/21/21 $12,645.00 (5/13/20 $14,758.30 WIRR 227)
I hate that this update shows an overall increase, even after we made a HUGE payment on our Citi card (promos were ending, did NOT want the back interest). The Discover went up with some travel baseball expenses. I am hoping to knock that back down to around the previous balance ASAP.
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nikiz628
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Post by nikiz628 on Jun 20, 2021 22:48:03 GMT -5
This weekend- mark long resit paper/FriAll done with marking for the semester!!! Semester update! All I have left is: - 2 weeks of Job 2 oral interviews (7/10 days) - 3 (4?) professor/(staff?) classes Kitchen/dishes/laundry/Shitepile up to date! The next two weeks will be rough so I'm trying to keep on top of things. And YAY to nikiz628 for surviving that sports season!!! Will things calm down for you now? Yes very much so! DS1 will have a couple tournaments here and there this summer, but we just get to be mom and dad at those! I am ready to enjoy summer break.
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Post by nikiz628 on Jun 16, 2021 19:55:30 GMT -5
UPDATE RACE #2 6/16/2021RACE #2 | INTEREST | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $5,307.46 | $4,902.00 | -405.46 |
NikiZ628 (2): 6/16/21 $4,902.00 (3/26/18 $32,991.93)
Total Paid in 2021: $2,399.61 Total Paid Overall: $28,089.93Inching closer to my 2021 goal of having this loan under $2,700!
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Post by nikiz628 on Jun 16, 2021 19:35:41 GMT -5
We survived our 10 week chaotic season! I've spent this week just getting caught back up around the house.
Next week's goals:
Clean up the driveway Wash/Vac my SUV Start tossing trash/boxes from garage Clean up around the new pool
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Post by nikiz628 on Jun 9, 2021 12:23:36 GMT -5
Indiana is holding our state return hostage I guess. They requested more info re: my LLC biz that I opened last year. I sent it in but crickets on their end. Its only $692 but I would love to have it. to State of Indiana They must have read this thread. Now when I check the status it says it will be direct deposited on 6/11 lol
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nikiz628
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Post by nikiz628 on Jun 7, 2021 15:44:01 GMT -5
I mailed in my Indiana state refund last week. They received it and I'm now $5 richer in my checking account. Today, the electrician is coming out to give me an estimate on a few things: New 220 receptacle in the basement--there isn't one, currently, and I anticipate my next dryer coming with kind of plug. Swapping out 20+ receptacles that are two-prong for three-prongs Replacing my ceiling fan (found a nice, expensive one at Lowe's last week--Memorial Day sale + military discount) Replacing my light in the bathroom (in both cases of the ceiling fan and this light, they're so old that I either can't get the old bulbs out or I can't get new bulbs in ) And, possibly, installing a new circuit breaker panel because the one down in the basement has no open circuit breakers and I anticipate needing to use more in the future In other news, for the first time EVER, I have money just sitting in checking account just waiting to be used. My excel workbook shows me paying my AmEx off on the 11th but I could feasibly do it this week or I could put the money in the Home Improvements account for now. And I don't mean that I'm going to accrue any interest or anything. I could even do both. AmEx is at $415 and there's $950 untapped in my account. It's just such a weird feeling to not have a $5000+ CC balance looming over my head. Indiana is holding our state return hostage I guess. They requested more info re: my LLC biz that I opened last year. I sent it in but crickets on their end. Its only $692 but I would love to have it.
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nikiz628
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Post by nikiz628 on Jun 7, 2021 15:42:54 GMT -5
I really really really need to get a handle on our spending. It's out of control. This always happens when we are super busy. It's just harder for me to keep up with it, so I just spend without thought.
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nikiz628
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Post by nikiz628 on Jun 7, 2021 15:42:01 GMT -5
I need to declutter some weed growth in our driveway. Grass and weeds grow better in the whiterock than in my yard....
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Post by nikiz628 on May 18, 2021 21:50:43 GMT -5
Those bare minimum days are so necessary for our mental health sometimes. I had to have one yesterday evening.
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Post by nikiz628 on May 18, 2021 20:47:40 GMT -5
For some reason tonight I am very motivated to do my "mid year budget review", so I am curled up on my couch with my laptop, scrap papers, and a calculator while I watch the Cubs game lol. It's nice to have to do items that involve being a couch potato for once.
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Post by nikiz628 on May 18, 2021 17:06:08 GMT -5
UPDATE RACE #2 5/18/2021RACE #2 | INTEREST | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $5,709.94 | $5,307.46 | -402.48 |
NikiZ628 (2): 5/18/21 $5,307.46 (3/26/18 $32,991.93)
Total Paid in 2021: $1,994.15 Total Paid Overall: $27,684.47Inching closer to my 2021 goal of having this loan under $2,700!
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