nikiz628
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Post by nikiz628 on May 14, 2021 7:21:05 GMT -5
UPDATE RACE #4 5/14/2021RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $19,067.06 | $18,787.87 | -279.19 |
NikiZ628(4) 5/14/2021 $18,787.87 (6/26/19 $25,195 WIRR197)
Total Paid in 2021: $1,787.16 Total Amount Paid Off: $6,669.05
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nikiz628
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Post by nikiz628 on May 4, 2021 8:22:05 GMT -5
We are halfway through our "chaos period"! I am doing a really good job of staying on top of things so far, though sometimes I feel less successful. I've managed to get all of our spring yard work completed as well. My front flower beds needed re-trenched, re-mulched, weeded and trimmed. They look so much better! It's amazing what a little TLC and fresh mulch can do. We are also almost finished installing our pool. Since it's semi-recessed, there is A LOT of dirt in my backyard. Thankfully a friend of ours needed fill dirt for their land, so they took a lot of it. But it's a hot mess out there. Once we backfill, we can start repairing the lawn. Until then, I am just trying to keep the dog out of the mud lol.
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nikiz628
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Post by nikiz628 on May 4, 2021 8:15:44 GMT -5
UPDATE RACE #2RACE #2 | INTEREST | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $6,520.81 | $5,709.94 | -810.87 |
NikiZ628 (2): 5/4/21 $5,709.94 (3/26/18 $32,991.93)
Total Paid in 2021: $1,591.67 Total Paid Overall: $27,281.99Inching closer to my 2021 goal of having this loan under $2,700!
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nikiz628
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Post by nikiz628 on May 4, 2021 8:08:44 GMT -5
UPDATE RACE #5 RACE #5 | Interest Rates | Starting Balance | Last Update | This Update | Difference | Citi Best Buy | 0% promos only | 1803.93 | 1710.00 | 1610.00 | -100.00 | Discover | 22.9% | 6501.76 | 6800.00 | 6760.00 | -40.00 | Capital One Quicksilver | 22.9% | 4200.00 | 4300.00 | 4080.00 | -220.00 | Menards Store Card | 26.49% | 2252.61 | 0.00 | 0.00 | Paid Off 8/11/20 | TOTALS |
| 14,758.30 | 12,810.00 | 12,450.00 | -360.00 |
NikiZ628 (5):5/4/21 $12,450.00 (5/13/20 $14,758.30 WIRR 227)
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nikiz628
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Post by nikiz628 on Apr 6, 2021 10:00:31 GMT -5
UPDATE RACE #4RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $19,380.25 | $19,067.06 | -313.19 |
NikiZ628(4) 4/6/2021 $19,067.06 (6/26/19 $25,195 WIRR197)
Total Paid in 2021: $1,507.97 Total Amount Paid Off: $6,389.86
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nikiz628
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Post by nikiz628 on Apr 6, 2021 8:46:55 GMT -5
Whoo hoo laterbloomer for taking out the carpet! How was your trip nikiz628 ? France is now locked down again for at least 4 weeks. Schools are closed, but higher education (ie me) is still open. I went back to Job 2 today for the first time since Oct. Job 2 is in the most Covid-stricken "departement" (think "state") in France. I was terrified of going back, so I barely slept last night. But it was great to be back, and I felt totally safe there. VERY strict protocols, and limited number of students. Plus it's a very suburban campus, so there are plenty of green spaces. (I ate lunch outside in one of several courtyards.) I'm there again till 7.30 pm tomorrow. It was pretty great! The weather was not, but we made the best of it. It was chilly and rained one whole day. The rip tides were awful so they double red flagged the beach on our one dedicated day to beach (no entry into water). The kid's were bummed but still had fun. We tried out an arcade and ice cream shop on the day it rained, and even squeezed in outdoor putt putt and tacos on the beach in the small dry window.
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Post by nikiz628 on Apr 6, 2021 8:43:59 GMT -5
Well we decided to take a very last minute spring break vacay next week. We were going to visit Gatlinburg (6.5 hour drive), but then we realized 4 more hours in the car and we could be at the beach in Destin. So we let the boys decide, and they unanimously voted for a beach trip. We rented a condo on the beach, so that we can have a kitchen to save $$ on food. Our plan is to spend most of the 4 days being beach bums. There are a couple shopping areas I would like to check out too. Maybe do a dolphin cruise or play some putt putt. Really, H and I just want to run away for a bit to spend time with the boys before we drown in our activity schedule. I am crossing my fingers for decent weather. We usually do not do Florida trips until at least May. The ocean's current temp is a brisk 66 degrees lol. Do you mind sharing a link to the condo you used? And if you did a dolphin cruise, which one you did? We're planning to go this summer, and trying to figure out some plans. Let me see if I can find a link. It was the Sundestin Resort Condo #1716.
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nikiz628
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Post by nikiz628 on Apr 6, 2021 8:42:51 GMT -5
Oh Serious, that is the best news! I hope you soaked up all the snuggles!!!
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Post by nikiz628 on Mar 21, 2021 20:35:44 GMT -5
I have decluttered over 1000 emails this weekend. That always feels soooo good! When I have insomnia, I will lay in bed on my phone and clean up my emails and photos. It's so mind numbing I usually get sleepy pretty quickly lol.
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nikiz628
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Post by nikiz628 on Mar 20, 2021 0:40:49 GMT -5
Well we decided to take a very last minute spring break vacay next week. We were going to visit Gatlinburg (6.5 hour drive), but then we realized 4 more hours in the car and we could be at the beach in Destin. So we let the boys decide, and they unanimously voted for a beach trip. We rented a condo on the beach, so that we can have a kitchen to save $$ on food. Our plan is to spend most of the 4 days being beach bums. There are a couple shopping areas I would like to check out too. Maybe do a dolphin cruise or play some putt putt. Really, H and I just want to run away for a bit to spend time with the boys before we drown in our activity schedule. I am crossing my fingers for decent weather. We usually do not do Florida trips until at least May. The ocean's current temp is a brisk 66 degrees lol.
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nikiz628
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Post by nikiz628 on Mar 19, 2021 21:18:27 GMT -5
CONGRATULATIONS SEALY!!!!!!!!!!!!
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Post by nikiz628 on Mar 17, 2021 21:21:29 GMT -5
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Post by nikiz628 on Mar 15, 2021 18:20:00 GMT -5
This week's to do list:
Clean out DS2's closet (woof)- I just pulled all the clothes he has grown out of out of his dresser and brought up the totes of the next sizes we saved from DS1. Everything is washed and organized, but he's now at the point we need to hang hoodies and jackets, etc. The dresser is too small. But the closet is a hot mess because we've never needed it for its real use before now.
Finalize plans for our last minute vacay- the boys' spring break begins Thursday and runs through next week. We've decided we want to go somewhere Sun-Wed/Thur before we get swamped with spring activities. Gatlinburg is a 7 hour drive, so it's looking like we will end up there. I am NOT a last minute trip planner, so I am getting anxious trying to make decisions so quickly.
Meal Plan- I want to start batch cooking/freezer cooking once we get back from our little getaway. So, when baseball starts up in full 7 day a week swing, I will have easy options.
Pay bills/Balance my checkbook- It's just been a hot minute and I don't like to go that long without balancing.
Complete all open orders for my biz- So I don't have to worry about them on break. I am closing my boutique down while my kids are off school.
Pick up mulch for flower beds- Like 20 bags lol.
I am sure I will be adding to this list....
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Post by nikiz628 on Mar 13, 2021 21:32:16 GMT -5
UPDATE 3/13/21
RACE #5 | Interest Rates | Starting Balance | Last Update | This Update | Difference | Citi Best Buy | 0% promos only | 1803.93 | 2100.00 | 1710.00 | -390.00 | Discover | 22.9% | 6,501.76 | 6785.47
| 6800.00 | +14.53 | Capital One Quicksilver | 22.9% | 4,200.00 | 4600.00
| 4300.00 | -300.00 | Menards Store Card | 26.49% | 2,252.61 | 0.00 | 0.00 | Paid Off 8/11/20 | TOTALS |
| 14,758.30 | 13,485.47 | 12,810.00 | -675.47 |
NikiZ628 (5): 3/13/21 $12,810.00 (5/13/20 $14,758.30 WIRR 227)Welp, my 0% promo ended on Discover. Womp womp. Still haven't found a better solution with the insane interest rates.
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Post by nikiz628 on Mar 8, 2021 23:31:50 GMT -5
UPDATE RACE #4RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $19,682.01 | $19,380.25 | -301.76 |
NikiZ628(4) 3/8/21 $19,380.25 (6/26/19 $25,195 WIRR197)
Total Paid in 2021: $1,194.78 Total Amount Paid Off: $6,076.67
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Post by nikiz628 on Mar 8, 2021 23:22:38 GMT -5
Hi friends! We are entering our chaotic time of the year, so I am working hard here at home to get as organized and prepared as possible. This year is going to be even busier with DS1 playing both league and travel baseball. Oh, and me just running my own business this year which is WILDLY successful and keeping me busy most days. A typical week is going to look like this for us once games begin: M DS1 league game T DS2 league game/DS1 travel practice W DS1 league game T DS2 league game/DS1 travel practice F DS1 league game (they only actually have 2 a week, but they can be on M,W,F). S Travel Tourney S Travel Tourney Now throw in that I will probably be working the concession stand most of the nights too, and I am not sure how we are going to survive lol. I know we will, but you might find me curled in the fetal position come June. Despite all that nuttiness, and the fact that I DO NOT want to glorify being this busy, I wouldn't trade these days for anything. So my goal for the next week or so is to meal plan through June. Start freezer cooking. Get my planner completely up to date with all the things. And assign routine chores/household stuff to specific days to keep me on track. Also, before we get super busy, I want to get the garage straightened back up from winter storage and clutter. And get the Christmas lights off the roofline now that it's nice out. My flower beds need new mulch like yesterday, so that is a priority outside chore too.
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nikiz628
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Post by nikiz628 on Mar 2, 2021 13:31:23 GMT -5
I am so sorry to hear about your Dad, Sharon. And your rough go lately.
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Post by nikiz628 on Mar 1, 2021 16:46:01 GMT -5
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Post by nikiz628 on Feb 28, 2021 22:57:49 GMT -5
So, I was plugging my numbers into TurboTax to get a feel for what I may owe or receive and I had to laugh at the "Indiana Use Tax". Does anyone ever admit to buying something in a different state while they live in Indiana?It appears, also, that I may not have changed my state to Indiana for my military pension. I'll need to look into that during the week. Whatever the situation, since this is my first year filing here, I think I'll invest the money into letting someone at H&R Block take care of them so that I'm not messing them up on TurboTax. It's not super crazy...it's saying I owe $36 for Federal and $404 for State but I want to be sure because it's also asking for my county of employment on Jan 1, 2020 and I wasn't working until March. I cannot say that I have ever done anything with that "tax".
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Post by nikiz628 on Feb 28, 2021 22:55:56 GMT -5
Not much in the way of decluttering, but I did get my entire house cleaned and looking orderly today. It's so nice to go into the week feeling put together.
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Post by nikiz628 on Feb 17, 2021 9:01:19 GMT -5
Oh startsmart, that sounds like a win-less battle you are fighting. I hope you get some warmth soon.
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Post by nikiz628 on Feb 16, 2021 13:53:22 GMT -5
nikiz628 I'd try that, but I'd also try to get another card for a BT. The worst-case scenario is you're in the same situation. But I find it odd that you have 2 cards at 0% and 2 cards at 20-something percent. I'm sure there's a happy medium to be found somewhere! Good luck!!! The Discover 0% is ending and will be going up. I am in a crap sitch at the moment in regards to APR but I am hoping we figure out a great solution soon.
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Post by nikiz628 on Feb 14, 2021 18:08:16 GMT -5
Great updates nikiz628 ! Is there any way you could either transfer the balance of the Capital One Quicksilver card, or renegotiate the interest rate? I tried to get a balance transfer and got denied. I haven't tried renegotiating the rate though... that's a good idea.
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Post by nikiz628 on Feb 14, 2021 14:19:51 GMT -5
UPDATE 2/14/21 2021 Savings | START | CURRENT | GOAL | STILL NEED | Emergency Fund | 1,600.56 | 1600.96 | 3,000.00 | 1,399.04 | DS1's Savings | 2,202.03 | 2,242.03 | 2,500.00 | 257.97 | DS2'2 Savings | 962.43 | 992.43 | 1,250.00 | 257.57 | Christmas Fund | 1.05 | 126.07 | 1,000.00 | 873.93 | TOTALS | 4,766.07 | 4,961.49 | 7,750.00 | 2,788.51 |
NikiZ628 2/14/21 $4,961.49 (Goal $7,750.00 WIRS1)
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Post by nikiz628 on Feb 14, 2021 14:15:11 GMT -5
UPDATE 2/14/21
RACE #5 | Interest Rates | Starting Balance | Last Update | This Update | Difference | Citi Best Buy | 0% promos only | 1803.93 | 2548.07 | 2100.00 | -448.07 | Discover | 0% until 1/9/21 | 6,501.76 | 7040.85
| 6785.47 | -255.38 | Capital One Quicksilver | 22.9% | 4,200.00 | 4895.82
| 4600.00 | -295.82 | Menards Store Card | 26.49% | 2,252.61 | 0.00 | 0.00 | Paid Off 8/11/20 | TOTALS |
| 14,758.30 | 14,484.74 | 13,485.47 | 999.27 |
NikiZ628 (5): 2/14/21 $13,485.47 (5/13/20 $14,758.30 WIRR 227)
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Post by nikiz628 on Feb 14, 2021 14:07:39 GMT -5
UPDATE RACE #2 2/14/2021Race #2 | INTEREST | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $7,301.61 | $6,520.81 | -780.80 |
NikiZ628 (2): 2/14/21 $6,520.81 (3/26/18 $32,991.93)
Total Paid in 2021: $780.80 Total Paid Overall: $26,471.12
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Post by nikiz628 on Feb 7, 2021 14:58:43 GMT -5
laterbloomer- The flooring is snap together laminate planks from Menards. We paid $.84 a sq. foot. The wallpaper is from amazon (i just typed peel & stick wallpaper and found a bajillion options).
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Post by nikiz628 on Feb 6, 2021 20:54:09 GMT -5
THe kitchen is 99% complete and I am SO in love with it. And the whole renovation cost us about $300! We had half a gallon of Sherwin Williams paint leftover from DS1's room (Anew Gray, a very gorgeous neutral), so we used that. It was JUST enough for our walls. We spent approximately $140 on the new flooring, once you add in the threshold and a couple little tools H needed for the install. I spent $50 on cabinet paint and $10 on peel and stick wallpaper to try out for the backsplash (waiting on that to arrive). And $50 on lumber to create a cover for our existing, very base model, range hood. I will probably spend a bit more on a few decor pieces, but so far I have just shopped my house for items. The only thing we have left to do is to stain the lumber above the stove, install the wallpaper backsplash if I love the pattern, and replace the lighting above the sink. I also need to find some window treatments. I’m looking for some natural woven blinds at a reasonable cost. I also told H I would love for him to build me small island, preferably on caster wheels so we can move it if needed, that the boys can sit at or we can use when baking/cooking as a family (instead of being crammed in the corner that now has my mixer shown below). We added a crown moulding to the top of the new range hood (I took this picture before that, but I’ll post it below). The best part of the range hood cover- hidden storage! The front lifts up and my existing over the stove cabinets are hidden behind! I relocated our coffee makers. The new location is much easier to use. And it freed up a smaller section of counter to the left of my sink. I relocated the kitchen aid mixer to the side of the kitchen I actually prepare food on. With the crown moulding on top. It definitely makes it. And not only is it pretty and fits with the rest of our home now, but every cabinet (and drawer) is thoroughly decluttered and organized. It feels amazing.
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Post by nikiz628 on Feb 6, 2021 19:09:14 GMT -5
Race #4 UPDATE: 2/6/2021
RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $19,977.31 | $19,682.01 | -295.30 |
NikiZ628(4) 2/6/21 $19,682.01 (6/26/19 $25,195 WIRR197)
Total Paid in 2021: $893.02 Total Amount Paid Off: $5,774.91
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Post by nikiz628 on Jan 29, 2021 22:40:08 GMT -5
We are chugging right along with our kitchen facelift. All the cabinets are painted and half the doors are done. To save money, I repainted the existing hardware. The handles are finished, just have to finish cleaning and painting the hinges. I’ve already filled 3 trash bags full of crap to toss. And I have a giant Rubbermaid tote of stuff to donate/list on our buy nothing group. 3 more cabinets to go through and they will all be decluttered and organized. I even bought pretty shelf liner and lined them all. It makes a huge difference and wasn’t very difficult at all.
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