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Archive for "Money"

Money Can Buy Happiness

Posted on December 5, 2013 by under Money, Things to Do.    

This is an interesting idea. Want to give it a try? Here’s a link to the Salvation Army’s Virtual Angel Tree. You can also participate in the program by visiting the public Angel Trees at the mall — Towne East and Towne West. Make someone’s day and make yourself happy in the process too.

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I know because I got an iron for Cecilia and a can opener for LaShellia. And, every time I post something on Freecycle or give something away some other way, I feel good. I’m pretty sure I’m not the only one this works on. I’d say it’s worth a shot. Do something special for someone and see how you feel afterward. I challenge you.

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It’s Official

Posted on October 25, 2013 by under Home Ownership, Money.    

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We got our official letter today stating that we no longer have to pay PMI (Private Mortgage Insurance) on our home loan. This is the best birthday week ever!

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Budget Time

Posted on October 20, 2013 by under Money, Tips.    

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It’s that time of the year. Whenever we start talking budgets at work, that’s our cue to do start working on our household budget also. Brian and I sat down and did our 2014 budget the other day. Hopefully we’ll actually stick to it next year.

We’ve had to deviate from our budget over the last couple of years. We planned on paying off my student loan by end of 2012 but got derailed and didn’t actually make the last payment until the beginning of 2013. Buying a house brings with it some additional expenses, which we expected, but didn’t really budget for in 2012 because we originally planned on waiting until our lease expired in May 2013. We were supposed to pay off my student loan first, then buy a house once our lease was up. We just ended up doing it backwards. Things didn’t quite go according to plan, but it all worked out in the end.

We wanted to put 20% down on our house last year but we closed on our house on our 10th wedding anniversary, which was a couple of months before our CD at Intrust Bank matured. It makes me sick that we’ve had to pay PMI over the last year so Brian and I and promised each other that as soon as we found a good time to do it we’d make a principal payment that will drop our mortgage balance enough so that we wouldn’t have to pay PMI anymore. I’m so happy that we finally made that payment the other day so I’m looking forward to slightly lower mortgage payments each month going forward. Hurrah!

For 2014 we’ve had to tighten the budget a little because we’ve got a couple of things that we’re saving for — a new car for me, which I plan on paying cash for in 2018, and down payment for our next house in 2016. That means no extravagant vacations and frivolous purchases over the next few years.

Brian thinks I have a shopping problem and I agree that I have a difficult time passing up a good deal but I think we can do it. We’ve tightened out belts before (when we were paying off all of our credit card debts eight years ago) and we got through it. We were actually completely debt-free within a couple of years. So I am completely positive that we can do this.

Anyway, I highly recommend sitting down once a year to create a budget if you’re not already doing this. Brian and I have done this over the last few years and it has really worked well for us. We set pretty high goals for ourselves so even when we don’t quite make it (such as in the last couple of years) we’re still in great shape.

Our annual budget gives us a good road map to follow for the coming year so we’re not all over the place. Having a plan also allows me to look forward to the coming year with less apprehension and much more peace of mind. This may not work for everyone but it works for us. So come up with a plan, stay focused on your goals, and best of luck to you in the coming year!

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Investing Seminar by TD Ameritrade

Posted on August 13, 2011 by under Money, Things to Do.    

Brian and I survived a two-day seminar on stocks and options trading. I feel good and am now ready to gamble away our life savings.

Just kidding! LOL!

Let’s touch base in about three months when my Investools subscription expires. Hopefully, I’m at least $20K richer at that point.

The plan is to start small and then build up the bankroll. I doubt we’ll be millionaires by the time Brian hits 40, but maybe when I hit 40. 😉 Bwa ha ha ha ha!

Leave it up to us to attend a seminar on investing at a time of great economic uncertainty. What impeccable timing we have!

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April is a Domestic Goddess

Posted on June 20, 2010 by under Coupons, Money.    

HOLY SMACKEREL!

Check out April’s receipt from her recent grocery store triumph. It’s taller than me!

She spent $81 for almost $320 worth of groceries. That’s a savings of 75%! Now, do you see why she is my idol?

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