Posts
Being away from the day to day responsiblities, my financial spreadsheet, and thinking about our life in general I've decided we need to take a vacation. In July we will have lived together for 3 years. We traveled (5 days) for our wedding/honeymoon because of restrictions at his new job. Outside of Gameboy coming on a work trip with me that's the only time away from home we've had together.
Our next planned vacation was supposed to be Japan. I haven't really written about it because we wanted to get the car/house stuff settled before starting to save. I know when we get around to saving for this trip it will not be cheap, putting the trip at least 1.5 years out.
What I didn't realize is how much that amount of time was weighing on me. It's more than a love of travel. Part wanderlust, part time for reflection, part special memories travel is really important to me. Though we've taken individual trips that ease this I really want to explore with Gameboy.
So while I was traveling I decided that this summer we're going to the Pacific NW. So far there are not many details. Seattle is a must because he has a lot of friends there and I've always been intrigued. We may also visit Portland. The trip length will be somewhat affected by hotel costs, but somewhere between 4-7 days.
Looking at the budget spreadsheet today I realized that late summer/early fall is more realistic. June will be a heavy month, but during July/August we should be able to work out saving for a trip in addition to our regular debt payments.
Any suggestions of things to do, placest to stay, where to eat, etc are welcome!
Wednesday, May 27, 2009
Overwhelm
I'm back from a wonderful whirlwind vacation full of friends & family. In my mind vacations fall into two categories- people and/or places. This was definitely a people trip. I didn't take in any other the major sites in the cities I visited. I ran errands with my mom and aunt, went to the mall with another friend, and in general just hung out. The most important thing for me was to get to spend time with some of my favorite east coast people and celebrate two wonderful graduates.
I'm pretty sure I came in under budget, because while on the trip I didn't pay detailed attention to what I was doing. I did a lot of big picture thinking though, about debt, our future plans, making the most of time, our decision to settle in the west and the differences in lifestyle between my friends and myself. In a perfect world I would have had today and tomorrow to more properly mull over these thoughts, putting them into an actionable plan.
Instead I'll be working at least one night this week to meet a deadline. Our admin assistant was supposed to get a few things done in advance of my return to make these three days easier. I'll get the report done, but honestly my heart* isn't in it.
My house is also...interesting. Housework is not my husband's forte and while he straightened certain areas others look like a tornado hit. The back yard, which was pretty low before I left enjoyed the combination of rain and working sprinklers and looks like a jungle. Despite the work deadline (or because of it) I need some order at home so tonight we'll be in the yard with our mower, soon to be acquired weed whacker and maybe some weed spray.
I'm pretty sure I came in under budget, because while on the trip I didn't pay detailed attention to what I was doing. I did a lot of big picture thinking though, about debt, our future plans, making the most of time, our decision to settle in the west and the differences in lifestyle between my friends and myself. In a perfect world I would have had today and tomorrow to more properly mull over these thoughts, putting them into an actionable plan.
Instead I'll be working at least one night this week to meet a deadline. Our admin assistant was supposed to get a few things done in advance of my return to make these three days easier. I'll get the report done, but honestly my heart* isn't in it.
My house is also...interesting. Housework is not my husband's forte and while he straightened certain areas others look like a tornado hit. The back yard, which was pretty low before I left enjoyed the combination of rain and working sprinklers and looks like a jungle. Despite the work deadline (or because of it) I need some order at home so tonight we'll be in the yard with our mower, soon to be acquired weed whacker and maybe some weed spray.
Tuesday, May 19, 2009
On Vacation
I'm currently on the east coast, soaking up some humidity and seeing loved ones. So far it's been great. I'll be posting more when I get back.
Tuesday, May 12, 2009
Mileage Reimbursement
I have a bad habit. Really I have quite a few. Most of them circle round to a dislike of paperwork and poor organizational skills. There are just many more things I'd rather do with my time- even where there's a financial payoff. This is especially true since I go over 40 hours most weeks.
As a result I haven't done a mileage or purchase reimbursement since I started my job in September. I average 6-12 out of office meetings a month. It's May. I couldn't find my planner from last year so I only did late December until May and 5 receipts that I could get my hands on. The total: $606.
I will do expense reports more often. I will do expense reports more often. I will do expense reports more often. I will do expense reports more often. I will do expense reports more often...
As a result I haven't done a mileage or purchase reimbursement since I started my job in September. I average 6-12 out of office meetings a month. It's May. I couldn't find my planner from last year so I only did late December until May and 5 receipts that I could get my hands on. The total: $606.
I will do expense reports more often. I will do expense reports more often. I will do expense reports more often. I will do expense reports more often. I will do expense reports more often...
Monday, May 11, 2009
44 cent stamps
It you're like me you don't use stamps very often. I actually can't remember the last stamp I put on something personal (my office is another matter). But for those rare occassions it's good to know that stamps are now $0.44, up $0.02 for the last rate hike.
While we're talking about stamps, do yourself a favor and buy forever stamps. They cost the same $.044, but next time rates go up you won't have to add that extra stamp. My director's predecessor used some end of the year funds to but hundreds of stamps last year. She did not buy forever stamps. So the next 170 or so envelopes I send out will need 2 stamps. When you're dealing with one or two envelopes it's not a big deal. When you're dealing with 50-100 it's not so much fun.
While we're talking about stamps, do yourself a favor and buy forever stamps. They cost the same $.044, but next time rates go up you won't have to add that extra stamp. My director's predecessor used some end of the year funds to but hundreds of stamps last year. She did not buy forever stamps. So the next 170 or so envelopes I send out will need 2 stamps. When you're dealing with one or two envelopes it's not a big deal. When you're dealing with 50-100 it's not so much fun.
Friday, May 8, 2009
Getting ready for transplant
After 6 rainy/snowy weekends in a row my raised bed garden is finally built. I still need to get it leveled, staked, and filled with my peat/compost compost mixture. Tonight and tomorrow morning I'll get a lot of that done. Now that the bed is almost ready I'm itching to get the seedlings that I've been growing for 2 months into the ground. But there's one important step between here and there.
When we leave our temperature controlled houses we: put on/pull off jackets, add a little sunscreen, pull out an umbrella if it's raining and so on. We have methods to help shelter us from the elements, the seeds that I've been growing do not. Sitting on my window sill there is sun, filtered through a window and steady 68 degree air. When I put them outside they'll have to deal with direct sun, wind, a 30 degree change in temperature each day, and a new environment for food (the roots).
So a few days ago I've started the process of hardening off. Each day I put the plants outside for a bit, adding time each day. On Wednesday it was 2 hours (evening), yesterday was 4-5 (evening), today I put them out at 6 and they'll be there until I leave for work with another session this afternoon. Tomorrow it will be 8-10 hours, with some mid day sun. Depending on the weather forcast they will move to their new home Saturday evening or on Sunday. If you have the option cloudy days are the best to transplant.
When we leave our temperature controlled houses we: put on/pull off jackets, add a little sunscreen, pull out an umbrella if it's raining and so on. We have methods to help shelter us from the elements, the seeds that I've been growing do not. Sitting on my window sill there is sun, filtered through a window and steady 68 degree air. When I put them outside they'll have to deal with direct sun, wind, a 30 degree change in temperature each day, and a new environment for food (the roots).
So a few days ago I've started the process of hardening off. Each day I put the plants outside for a bit, adding time each day. On Wednesday it was 2 hours (evening), yesterday was 4-5 (evening), today I put them out at 6 and they'll be there until I leave for work with another session this afternoon. Tomorrow it will be 8-10 hours, with some mid day sun. Depending on the weather forcast they will move to their new home Saturday evening or on Sunday. If you have the option cloudy days are the best to transplant.
Wednesday, May 6, 2009
Random + Net Worth Updates
It's a few days past month end, but all of the transfers from our last paychecks have finally settled.
Net Worth: A positive balance is so close I can almost feel it! Assuming things don't fall apart this summer I think I could be there by mid fall.
Carolla: My car is officially paid off. I added the KBB private party sale price to the net worth calculations now that we own it outright. Now the goal is not to wreck the car. I know a lot of people who have damaged a car right after they purchase. Today I came close when my brakes locked up and I spun out on the highway. I'm fine and the car's fine but it was the second scariest experience of my life.
Prius: I love how easy it is to pay this loan. I've been going on about it all month and sending little payments to figure out the system. To pay I just do a share to loan transfer. The loan detail is there immediately, with how much went to interest and how much went to principal. Until the due date it subtracts from the monthly payment. Once you've made your full payment for the month any payments before the due date are principal payments. Compared to most accounts where an extra payment means a paper check to some random address this makes me so very excited. As you can tell I can't stop talking about it. The only part of the system that needs some work is getting money to the credit union. Currently it looks like: paycheck-brick and mortar- ING- credit union. Very inelegant. Later this summer once things (hopefully) stabilize one of use will probably set up a payroll deposit to the credit union.
Refinance: We didn't go for the crazy quick refi. The timeline was too scrunched and the closing dates outlined overlapped with some can't miss meetings. Since I'm in meetings 3 days then on vacation for 6 taking the time off wasn't an option. I'm going to call our current mortgage company this week to get info from them.
Landscaping: I put this decision in Gameboy's hands and he decided on xeriscaping. There will probably be some creative financing to make it happen, it depends on what happens with the strike and if Gameboy's commissions that should have been paid 1 month ago ever come in. At worst I will loan 'us' some money from personal savings.
Jobs: It seems very likely that he will be on strike starting next week. We've been working on a strike plan to pull in income. I'm hoping his union/management will come together with a deal that makes the job worth having. My job is entirely grant funded. My grants all expire at the end of June. One funder will let us know in the next two weeks. My main funder hasn't put out reapplication docs. This will be addressed while I'm on vacation, but I'd like to get it over with.
Vacation: Despite all of the crazy I'm still going on and will totally enjoy my vacation. We have efund money, I have personal savings that we can use in a pinch, and worse comes to worse I can nanny for the summer or he can go back to his former industry. He's been getting inquiries about the former industry which mean more money but less stability. I have things for graduation girl A, my former roommate and graduation girl B (after much prodding) requested cash. I'm working on creative packaging. Also thinking about getting some of the cash exchanged for her summer trip to Europe.
Lowes Card: We purchased appliances when we purchased the house. A series of mishaps led to returns/repurchases. So while I thought all of those funds were due mid July I recently realised that things are due in July, August, and September. We've decided to pay each portion of the bill the month before it's due. This is a final back up in the event of a cash flow issue this summer, but getting each portion getting paid on time is our number one priority.
Those are the big things happening in our life right now.
Net Worth: A positive balance is so close I can almost feel it! Assuming things don't fall apart this summer I think I could be there by mid fall.
Carolla: My car is officially paid off. I added the KBB private party sale price to the net worth calculations now that we own it outright. Now the goal is not to wreck the car. I know a lot of people who have damaged a car right after they purchase. Today I came close when my brakes locked up and I spun out on the highway. I'm fine and the car's fine but it was the second scariest experience of my life.
Prius: I love how easy it is to pay this loan. I've been going on about it all month and sending little payments to figure out the system. To pay I just do a share to loan transfer. The loan detail is there immediately, with how much went to interest and how much went to principal. Until the due date it subtracts from the monthly payment. Once you've made your full payment for the month any payments before the due date are principal payments. Compared to most accounts where an extra payment means a paper check to some random address this makes me so very excited. As you can tell I can't stop talking about it. The only part of the system that needs some work is getting money to the credit union. Currently it looks like: paycheck-brick and mortar- ING- credit union. Very inelegant. Later this summer once things (hopefully) stabilize one of use will probably set up a payroll deposit to the credit union.
Refinance: We didn't go for the crazy quick refi. The timeline was too scrunched and the closing dates outlined overlapped with some can't miss meetings. Since I'm in meetings 3 days then on vacation for 6 taking the time off wasn't an option. I'm going to call our current mortgage company this week to get info from them.
Landscaping: I put this decision in Gameboy's hands and he decided on xeriscaping. There will probably be some creative financing to make it happen, it depends on what happens with the strike and if Gameboy's commissions that should have been paid 1 month ago ever come in. At worst I will loan 'us' some money from personal savings.
Jobs: It seems very likely that he will be on strike starting next week. We've been working on a strike plan to pull in income. I'm hoping his union/management will come together with a deal that makes the job worth having. My job is entirely grant funded. My grants all expire at the end of June. One funder will let us know in the next two weeks. My main funder hasn't put out reapplication docs. This will be addressed while I'm on vacation, but I'd like to get it over with.
Vacation: Despite all of the crazy I'm still going on and will totally enjoy my vacation. We have efund money, I have personal savings that we can use in a pinch, and worse comes to worse I can nanny for the summer or he can go back to his former industry. He's been getting inquiries about the former industry which mean more money but less stability. I have things for graduation girl A, my former roommate and graduation girl B (after much prodding) requested cash. I'm working on creative packaging. Also thinking about getting some of the cash exchanged for her summer trip to Europe.
Lowes Card: We purchased appliances when we purchased the house. A series of mishaps led to returns/repurchases. So while I thought all of those funds were due mid July I recently realised that things are due in July, August, and September. We've decided to pay each portion of the bill the month before it's due. This is a final back up in the event of a cash flow issue this summer, but getting each portion getting paid on time is our number one priority.
Those are the big things happening in our life right now.
Tuesday, May 5, 2009
Me at the bank
Today I wasn't feeling well so I left work a little early. I detoured on the way home to deposit a check from babysitting last week. This is how it went:
Drive thru banker: Ms. Sara L, do you have a personal banker
Me: Not here, why?
Drive thru banker: Well you have a sizeable balance and we want to make sure your money is working it's best for you.
Me: Oh, that. We have a sizeable credit card bill due this week.
Good to know they're looking out though. This bill is pretty high ($7K range), to anyone else the balance would probably look rediculous. Just under half are expenses associated with Dad moving out. Did I ever blog about that? Anywho, we also charged the downpayment for the Prius. The regular day to day expenses are around their usual amount to round out the balance.
Drive thru banker: Ms. Sara L, do you have a personal banker
Me: Not here, why?
Drive thru banker: Well you have a sizeable balance and we want to make sure your money is working it's best for you.
Me: Oh, that. We have a sizeable credit card bill due this week.
Good to know they're looking out though. This bill is pretty high ($7K range), to anyone else the balance would probably look rediculous. Just under half are expenses associated with Dad moving out. Did I ever blog about that? Anywho, we also charged the downpayment for the Prius. The regular day to day expenses are around their usual amount to round out the balance.
Monday, May 4, 2009
Dear Kayak,
I love you.
In general Kayak.com is my favorite place to start researching trips. I like that it gives a wide variety of options by searching multiple companies. There are also sliders to narrow down take off/landing time on each flight, length of layover, length of trip, and my favorite- price. If that's not enough for you there are also check boxes airlines, number of stops, and type of aircraft. All of this means it's easy to find your most perfect flight/fare combination.
The new additions since my last fligh have me even more excited. It will calculate baggage fees and add them to each price, giving you the true ticket cost. There is also this handy chart that outlines all of the airline fees. Will a free snack make or break your flight? How much will enough leg room cost you? And of course those baggage fees.
If you're thinking about taking a trip and have the money saved up this is a great time to fly. Two years ago the tickets I just bought for my trip would have been in the $350-400 range. Direct flights from the Rockies to Philly and then back from DC, booked just under 3 weeks in advance cost me $276. Depending on what I do baggage wise I'll be $19-49 under my budget. I could have gotten things down $26 by taking a flight with a layover but at this point getting in early enough to have dinner with my husband and make it to work the next day (not to mention 3 hours of my time) are worth $26 to me.
This isn't a sponsored post, I just love the service and it has continually helped me to find the best fare/flight combinations time and time again.
In general Kayak.com is my favorite place to start researching trips. I like that it gives a wide variety of options by searching multiple companies. There are also sliders to narrow down take off/landing time on each flight, length of layover, length of trip, and my favorite- price. If that's not enough for you there are also check boxes airlines, number of stops, and type of aircraft. All of this means it's easy to find your most perfect flight/fare combination.
The new additions since my last fligh have me even more excited. It will calculate baggage fees and add them to each price, giving you the true ticket cost. There is also this handy chart that outlines all of the airline fees. Will a free snack make or break your flight? How much will enough leg room cost you? And of course those baggage fees.
If you're thinking about taking a trip and have the money saved up this is a great time to fly. Two years ago the tickets I just bought for my trip would have been in the $350-400 range. Direct flights from the Rockies to Philly and then back from DC, booked just under 3 weeks in advance cost me $276. Depending on what I do baggage wise I'll be $19-49 under my budget. I could have gotten things down $26 by taking a flight with a layover but at this point getting in early enough to have dinner with my husband and make it to work the next day (not to mention 3 hours of my time) are worth $26 to me.
This isn't a sponsored post, I just love the service and it has continually helped me to find the best fare/flight combinations time and time again.
Friday, May 1, 2009
Things that make me proud
Eariler this week, amidst the craziness, I called my cousin to see how she is doing. We talked about finals, the graduation plans, her new job, and summer plans.
She's exicted about a trip to Europe with her mom this summer and all of the family that are coming in for graduation. Pretty normal stuff. Then she said she's really excited about starting to invest! When she starts working in June she's definately starting a Roth IRA and possibly starting a 401(K) depending on what thier package looks like. I can't tell you how proud I was of her at the moment.
My cousin is 22, debt free, and ready to do her thing in the market. She secured a job last summer. Pretty much, she has her head on straight and is ready to tackle adulthood.
She's exicted about a trip to Europe with her mom this summer and all of the family that are coming in for graduation. Pretty normal stuff. Then she said she's really excited about starting to invest! When she starts working in June she's definately starting a Roth IRA and possibly starting a 401(K) depending on what thier package looks like. I can't tell you how proud I was of her at the moment.
My cousin is 22, debt free, and ready to do her thing in the market. She secured a job last summer. Pretty much, she has her head on straight and is ready to tackle adulthood.
:)
The final check for the Carolla has been sent! Our tax refund hit this morning and Toyota should have thier money sometime next week.
I'm going to wait until their website shows a $0 balance and then I'll update the sidebars. That's an extra $325/month headed to the efund (until it's topped off) and then the Prius.
I'm going to wait until their website shows a $0 balance and then I'll update the sidebars. That's an extra $325/month headed to the efund (until it's topped off) and then the Prius.
Thursday, April 30, 2009
3 deadlines met
Can I take a nap now?
This week was a bit crazy because I had a grant application, grant spending deadline, and quarterly report all due between Wednesday and tomorrow. Other than physically driving the grant to the submission location tomorrow (after it gets a signature) I'm all done.
Usually this would be cause for a drink. Or at least a nap. But neither seem to be in the cards for me. Unless I go take a nap in my car in the work parking lot. I'm picking up my second most favorite guy, my mom's friend's 6 yr old, from child care in a bit and hanging out with him for a while. Then I'll leave him at my house with my husband and go sit for the preschool triplets.
I think a trip to Sonic for one of their happy hour sweet teas is in order. I hate the styrafoam cups (Sonic, if you're reading, can we do something about that) but I think sugar and caffeine are going to be necessary to get me through the evening.
UPDATE: Inspired by this Dooce post I decided to try and take a cat nap in the car. I didn't want to deal with moving the booster seat so I reclined the drivers seat, used my cardigan as a blanket, and turned NPR down so I could barely hear it. I set my alarm and immediately fell out. It was one of those naps where you wake up feeling a little stupid- totally wonderful.
This week was a bit crazy because I had a grant application, grant spending deadline, and quarterly report all due between Wednesday and tomorrow. Other than physically driving the grant to the submission location tomorrow (after it gets a signature) I'm all done.
Usually this would be cause for a drink. Or at least a nap. But neither seem to be in the cards for me. Unless I go take a nap in my car in the work parking lot. I'm picking up my second most favorite guy, my mom's friend's 6 yr old, from child care in a bit and hanging out with him for a while. Then I'll leave him at my house with my husband and go sit for the preschool triplets.
I think a trip to Sonic for one of their happy hour sweet teas is in order. I hate the styrafoam cups (Sonic, if you're reading, can we do something about that) but I think sugar and caffeine are going to be necessary to get me through the evening.
UPDATE: Inspired by this Dooce post I decided to try and take a cat nap in the car. I didn't want to deal with moving the booster seat so I reclined the drivers seat, used my cardigan as a blanket, and turned NPR down so I could barely hear it. I set my alarm and immediately fell out. It was one of those naps where you wake up feeling a little stupid- totally wonderful.
My BFF- The Library
For as long as I can remember I've loved reading. I was the kid reading with a night light after lights out or reading a book hidden in my desk during classes I thought were boring. As such, the Mt. Pleasant library was one of my favorite places to go (the park, my cousin's house and Popeyes also made that list).
I've always known that the library saves me tons of money but how do you (in a relatively easy way) quantify those savings? Use this handy calculator. My savings? $172.95 a month. The cost savings are based on avereage full cost prices, which I wouldn't pay. But even half my savings plus paying $20 in fines is more $66 each month.
In addition to being frugal the library is good for the environment. The books get read over and over again, so the paper that goes into it is reused. This reduces the number of copies that need to be printed thus reducing paper.
If you haven't been in a while check it out. Most libraries have DVDs, CDs, and community education in addition to books. My local library even offers online books, cutting paper out of the process entirely.
Happy Thrifty Green Thursday!
I've always known that the library saves me tons of money but how do you (in a relatively easy way) quantify those savings? Use this handy calculator. My savings? $172.95 a month. The cost savings are based on avereage full cost prices, which I wouldn't pay. But even half my savings plus paying $20 in fines is more $66 each month.
In addition to being frugal the library is good for the environment. The books get read over and over again, so the paper that goes into it is reused. This reduces the number of copies that need to be printed thus reducing paper.
If you haven't been in a while check it out. Most libraries have DVDs, CDs, and community education in addition to books. My local library even offers online books, cutting paper out of the process entirely.
Happy Thrifty Green Thursday!
Tuesday, April 28, 2009
I live in a land called dilema
By nature I'm a bit of a worrier. I'm also really indecisive when there isn't an option that fully fits within my guidelines. So in the time that I haven't been spending like a mad woman (for work) and writing requests for more funding I've been going over and over 2 big decisions.
A) Landscaping. We have to get it done because we are that house that is bringing down the block at the moment. The options are xeriscaping, which requires less water (aka earth friendly) and less mowing (husband friendly) but costs money. An amount that I pretty much think is ridiculous. Then there's re-sodding. Increased water usage. Having to mow. $2,500 cheaper. So my environmental side and my wallet are at odds with each other. Saving up over the next few months is not an option because of the HOA, that and we don't want our neighbors to hate us. Gameboy is heavily leaning towards xeriscaping. I like the idea in theory, but not the money.
Then there's the landscaper thing. Guy A came out, measured, did a drawing and gave a quote. Gameboy sent the quote to Guy B (a friend of a friend), asking if it was a reasonable quote. Guy B sent a counter quote that's $1,000. I have a bit of an ethical dilemma because his quote is based on Guy A's original work/design/planning. We're still in discussions about this.
B) Refinancing. We could drop our rate 1.5%, but it will cost 7K to do so. We would have to move at warped speed (something that makes me cringe) because of changes coming May 1. The loan officer said she could get our house appraised $10K higher than our purchase appraisal. Our appraiser friend thinks we're down $5-15K. So loan officer lady is saying she could get an appraiser to appraise higher than we think our house is worth and higher than our friend thinks our house is worth. But we have to pay $350 out of pocket for this pipe dream.
The refi, based on the high appraisal, would cut the $70 we pay in PMI. There would be an additional reduction of $140 ($210 total). What we owe the mortgage company would only be $155 less because we currently save/pay for our insurance on our own and that would no longer be an option.
Thoughts?
A) Landscaping. We have to get it done because we are that house that is bringing down the block at the moment. The options are xeriscaping, which requires less water (aka earth friendly) and less mowing (husband friendly) but costs money. An amount that I pretty much think is ridiculous. Then there's re-sodding. Increased water usage. Having to mow. $2,500 cheaper. So my environmental side and my wallet are at odds with each other. Saving up over the next few months is not an option because of the HOA, that and we don't want our neighbors to hate us. Gameboy is heavily leaning towards xeriscaping. I like the idea in theory, but not the money.
Then there's the landscaper thing. Guy A came out, measured, did a drawing and gave a quote. Gameboy sent the quote to Guy B (a friend of a friend), asking if it was a reasonable quote. Guy B sent a counter quote that's $1,000. I have a bit of an ethical dilemma because his quote is based on Guy A's original work/design/planning. We're still in discussions about this.
B) Refinancing. We could drop our rate 1.5%, but it will cost 7K to do so. We would have to move at warped speed (something that makes me cringe) because of changes coming May 1. The loan officer said she could get our house appraised $10K higher than our purchase appraisal. Our appraiser friend thinks we're down $5-15K. So loan officer lady is saying she could get an appraiser to appraise higher than we think our house is worth and higher than our friend thinks our house is worth. But we have to pay $350 out of pocket for this pipe dream.
The refi, based on the high appraisal, would cut the $70 we pay in PMI. There would be an additional reduction of $140 ($210 total). What we owe the mortgage company would only be $155 less because we currently save/pay for our insurance on our own and that would no longer be an option.
Thoughts?
Thursday, April 23, 2009
Earth Day Resolution
Yesterday as I drove through oodles of traffic I though about what I can do for the earth. I wanted something to comit to until at least next Earth Day. Something that I can add into my life without spending thousands of dollars. Something that didn't take hours a week.
Some of the things I currently do include: using homemade cleaners (50% of the time), making our own laundry detergent (98%), bringing bags to the grocery store (60%), catching water as it warms up for plants (79%), recycle (110%), repurpose (90%), drive fuel efficent cars (100%). I'm sure there's more, but that's what is coming to mind.
One area where I fail- using disposable plates/silverware/bowls at the office. I have the type of office where the center table has food at least once a week- causing plates and silverware to head to the landfil. When I actually bring my lunch I often forget forks, spoons, etc.
The solution: get a set of work plates to store in my desk. We have access to a sink, soap, and sponge so (other than laziness) there's no reason not to use regular plates/silverware instead of paper. I also have a drawer that is currently empty that can house things.
I'll let you know how it goes.
Some of the things I currently do include: using homemade cleaners (50% of the time), making our own laundry detergent (98%), bringing bags to the grocery store (60%), catching water as it warms up for plants (79%), recycle (110%), repurpose (90%), drive fuel efficent cars (100%). I'm sure there's more, but that's what is coming to mind.
One area where I fail- using disposable plates/silverware/bowls at the office. I have the type of office where the center table has food at least once a week- causing plates and silverware to head to the landfil. When I actually bring my lunch I often forget forks, spoons, etc.
The solution: get a set of work plates to store in my desk. We have access to a sink, soap, and sponge so (other than laziness) there's no reason not to use regular plates/silverware instead of paper. I also have a drawer that is currently empty that can house things.
I'll let you know how it goes.
Wednesday, April 22, 2009
Striking Earth Day
Over at the Green Baby Guide Rebecca does Earth Day resolutions. I wanted to come up with one or two this year, but honestly there's something a little more pressing weighing on my mind.
Gameboy belongs to a union and on Monday they announced that the chances of a strike in the next month or two are high. Probably in the 95% range. Management has proposed going 100% commission, dropping vacation time, and a long list of other things.
This has been a nagging worry in the back of my mind. How long will they strike? How will this affect summer income? What about health insurance? What will this mean for his long term employment?
It doesn't help that our efund was recently accessed. I'm still working on a plan but over the next weeks I'll increase the number of families I babysit for and other side jobs. We'll be paying off my car and putting aside the rest of the money for our appliances when we get our tax refund. I'm also going to try to save most of Gameboy's checks until the probable strike date (two checks).
I'm not panicking. We're at a point where we live on 2.75/4 paychecks each month. There are also things built into our system (ie self escrowing) that we can change for a month or two if we need to.
Gameboy belongs to a union and on Monday they announced that the chances of a strike in the next month or two are high. Probably in the 95% range. Management has proposed going 100% commission, dropping vacation time, and a long list of other things.
This has been a nagging worry in the back of my mind. How long will they strike? How will this affect summer income? What about health insurance? What will this mean for his long term employment?
It doesn't help that our efund was recently accessed. I'm still working on a plan but over the next weeks I'll increase the number of families I babysit for and other side jobs. We'll be paying off my car and putting aside the rest of the money for our appliances when we get our tax refund. I'm also going to try to save most of Gameboy's checks until the probable strike date (two checks).
I'm not panicking. We're at a point where we live on 2.75/4 paychecks each month. There are also things built into our system (ie self escrowing) that we can change for a month or two if we need to.
Saturday, April 18, 2009
My 403(b) hasn't lost money!
I started my new job in September. By the time I settled in, met with someone about investing options, and got the paperwork together my contributions began in 2009. I'm doing 8% percent pre tax to the 403(b) and 8% post tax towards my Roth.
The 403(b) account is my only financial account that I can't access online. The brokerage is kind of crazy with the security and I haven't had the time to jump throught the 15 hoops they require. I got my first quarterly statement last week. Until I get through those hoops this is my only access to how my accont is doing. Considering the current market that's probably better for my blood pressure.
My account total- $13.56 higher than what I contributed. Not amazing, but a positive number makes me happy.
The 403(b) account is my only financial account that I can't access online. The brokerage is kind of crazy with the security and I haven't had the time to jump throught the 15 hoops they require. I got my first quarterly statement last week. Until I get through those hoops this is my only access to how my accont is doing. Considering the current market that's probably better for my blood pressure.
My account total- $13.56 higher than what I contributed. Not amazing, but a positive number makes me happy.
New Car Loan Detail
We bough Gameboy's new Prius late last month. This week we got a new loan from a credit union. Why change loans after 3 weeks? A little thing called the interest rate.
When we sat down to do the financing at the dealership the first rate they told us was 7.99%. I looked at them like they had lost their mind. My auto credit score was low/mid 700's, his was upper 600's. In most of the places where we shopped the loan those rates put us in the first or second tier. We hemmed and hawed a bit. The finance guy magically came up with 5.74% from a bank they partner with. Because we had the option to shop the loan in the first 45 days (and I was driving 100 miles a day to get us both to work) we told them to start processing.
The next few days I called all of the banks/credit unions where we have accounts. We bank with a big bank, I have another account with a national bank, and I have two credit union accounts that I go back and forth about closing back home. One bank couldn't beat 5.74%, the other took 8 days to call me back. Both credit unions had rates just under 5%. We gave both permission to run our credit so we could get exact answers. The first offered 4.6%, which we were ok with. The second offered 4.4%, making us happier.
As we started the long distance paperwork I went to their website a lot. I'm bad at keeping track of phone numbers. On day 2 of the process their leading banner changed from something about college loans to new car loan rates for 'green cars.' I can't remember the last time I dialed that fast.
The final verdict: 4.15% interest with payments at $506. The difference in finance charge is ~$1,5oo. Not that we plan on having the loan for the full 60 months ;). We're thinking we'll get it knocked out in around 2.5 years.
In the future I'd shop the loans and get the better rate first, but if you have a loan with a crappy rate looking into refinancing with a credit union may be a good idea.
When we sat down to do the financing at the dealership the first rate they told us was 7.99%. I looked at them like they had lost their mind. My auto credit score was low/mid 700's, his was upper 600's. In most of the places where we shopped the loan those rates put us in the first or second tier. We hemmed and hawed a bit. The finance guy magically came up with 5.74% from a bank they partner with. Because we had the option to shop the loan in the first 45 days (and I was driving 100 miles a day to get us both to work) we told them to start processing.
The next few days I called all of the banks/credit unions where we have accounts. We bank with a big bank, I have another account with a national bank, and I have two credit union accounts that I go back and forth about closing back home. One bank couldn't beat 5.74%, the other took 8 days to call me back. Both credit unions had rates just under 5%. We gave both permission to run our credit so we could get exact answers. The first offered 4.6%, which we were ok with. The second offered 4.4%, making us happier.
As we started the long distance paperwork I went to their website a lot. I'm bad at keeping track of phone numbers. On day 2 of the process their leading banner changed from something about college loans to new car loan rates for 'green cars.' I can't remember the last time I dialed that fast.
The final verdict: 4.15% interest with payments at $506. The difference in finance charge is ~$1,5oo. Not that we plan on having the loan for the full 60 months ;). We're thinking we'll get it knocked out in around 2.5 years.
In the future I'd shop the loans and get the better rate first, but if you have a loan with a crappy rate looking into refinancing with a credit union may be a good idea.
Wednesday, April 15, 2009
Note to self
Putting off taxes and quarterly reports should be avoided.
I think next year we'll use a tax preparer. I say this every year but what end up holding me back is not so great record keeping and finding the time. It's a bit like going to the hairdresser. Once I'm there I love it, but scheduling, getting my hair in hairdresser shape* and driving there are just too much. So I end up doing my hair on the couch with a tv marathon ever couple of weeks.
This weekend my husband and I are going to have a conversation about record keeping. We need a system beyond "this is a household thing hon, here you go." I happily do the household finances, but maintaining a filing system on my own is not something I'm up for. The summer I worked at a credit union relabeling and moving 2 walls of file cabinets killed that.
I have a couple of ideas/options.
I think next year we'll use a tax preparer. I say this every year but what end up holding me back is not so great record keeping and finding the time. It's a bit like going to the hairdresser. Once I'm there I love it, but scheduling, getting my hair in hairdresser shape* and driving there are just too much. So I end up doing my hair on the couch with a tv marathon ever couple of weeks.
This weekend my husband and I are going to have a conversation about record keeping. We need a system beyond "this is a household thing hon, here you go." I happily do the household finances, but maintaining a filing system on my own is not something I'm up for. The summer I worked at a credit union relabeling and moving 2 walls of file cabinets killed that.
I have a couple of ideas/options.
- File folders that we just drop things in by category
- Expandable file with categories
- The baggie system- putting all receipts for a month in a sandwhich bag and dealing with them at the end of the year. This is from a coworker.
Do you have any super easy ways to keep all of the documents from taking over or flying away?
*My hair and combs don't get along. I break around 2/year. My hair is usually twisted so hairdresser prep involves un twisting and detangling (2-3 hours), then (without retangling) getting my hair to do something that's acceptable for leaving the house. It's a process.
Wednesday, April 8, 2009
Busy
Somehow the personal and busy times seem to overlap. Nothing I can't handle, but it's keeping me on my toes.
Personal:
Taxes- almost done
Adjusting car loan- we got a loan from a dealer with the option to shop the loan for 45 days. I'm using a long distance credit union that will be great once I get through the hoops. I need to get pay stubs and possibly this year's taxes to them.
Dealing with old car- the mechanic who has it has been very against donating it. He wants us to give him the title to wipe out our diagnostic bill. I think he's full of it. Gameboy is going to see if he'll forget the bill and give us a few hundred. Otherwise it's being donated.
Landscaping- we got the quote for the front yard. I almost fell over. I understand why so many people use grass even though it's more maintenance and water. We have to decide how important low maintenence and water consumption are for us. Also if there is a way to work the price into our budget.
Professional:
Grant spend down- I have 3 grant budgets that I run. All have spend down deadlines, one in April and two in June. I've been working on getting programming together for June and paying tuition bills for April. Yesterday I learned that 8 people never attended classes so I have a few thousand to reallocate.
Maternity leave madness- my director is on maternity leave. Before she left we created a pretty plan. The stuff covered on the plan is fine, more work but manageable. It's all the other stuff that comes up that makes my head spin.
External players- really this should be external players that don't return calls/emails. Recently I've had a few who don't get back to me then after a deadline want me to rework things. I'm so over this.
Personal:
Taxes- almost done
Adjusting car loan- we got a loan from a dealer with the option to shop the loan for 45 days. I'm using a long distance credit union that will be great once I get through the hoops. I need to get pay stubs and possibly this year's taxes to them.
Dealing with old car- the mechanic who has it has been very against donating it. He wants us to give him the title to wipe out our diagnostic bill. I think he's full of it. Gameboy is going to see if he'll forget the bill and give us a few hundred. Otherwise it's being donated.
Landscaping- we got the quote for the front yard. I almost fell over. I understand why so many people use grass even though it's more maintenance and water. We have to decide how important low maintenence and water consumption are for us. Also if there is a way to work the price into our budget.
Professional:
Grant spend down- I have 3 grant budgets that I run. All have spend down deadlines, one in April and two in June. I've been working on getting programming together for June and paying tuition bills for April. Yesterday I learned that 8 people never attended classes so I have a few thousand to reallocate.
Maternity leave madness- my director is on maternity leave. Before she left we created a pretty plan. The stuff covered on the plan is fine, more work but manageable. It's all the other stuff that comes up that makes my head spin.
External players- really this should be external players that don't return calls/emails. Recently I've had a few who don't get back to me then after a deadline want me to rework things. I'm so over this.
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