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Car Insurance Renewal

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Woot, woot! Our 6 month car insurance premium drops right at $1,500 next month! I attribute this to:

  • Improved credit scores for all of us but especially me since I’ve been paying off and closing credit accounts.
  • The 1st of Gymnast’s three wrecks will drop off at the end of this year. When he was shopping for his own insurance, they told him that this was a big factor in his premium.
  • Beauty coming off the family plan this past month when she got her own car.

Beginning in October, our monthly premium will go from $1,200-1,300 per month to $930 per month.

We are definitely going in the right direction!

Sidenote: Gymnast Car

Gymnast took over paying for his car at the end of 2023. And has done an amazing job. We were able to refinance the loan this past week to get his name on the title and loan so he now gets credit for his payments. And most importantly, we were able to get a much lower interest rate for him. Score!

Making Moves and Making Decisions

Things are going so, so well right now. I am steam rolling through debt payoff. 100% focused. And it feels so good.

I’ve begun making other decisions as well. Future plans. And making those is not only helping to keep me motivated, but also giving me a reason to keep focused on NOT spending. I spent a night with Princess this past week. (More on the why for that later.) She and I spoke a lot about my decisions, the intended and unintended consequences of those decisions, and lessons that I wish I had learned at her ago.

I will say, that if my bad decisions end up with my kids being so much more wise than me with money. So worth it! I am so amazed at their brains, and focus, and just all of it. And I love that we talk about it all. And they listen, and I listen.

Hope’s Planned Spending – September, 2024

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I do plan to post my actual spend at the end of the month. (You can find this month’s plan here.)  But thought I would go ahead and share September’s planned spending.

DateCategory/PayeeAnticipated Amount
09-01-2024Groceries / Hygiene / Dogs / Gas-500
09-02-2024Auto Insurance-1346
09-02-2024Amazon CC-1391
09-03-2024Mortgage-1015
09-03-2024Taxes, SS, Medicare (30%)-2550
09-03-2024TX to 9026-350
09-03-2024TX to Savings-790
09-03-2024TX to TRV SAV 1387-500
09-04-2024City Utilities - varies-150
09-05-2024Princess rent for Oct-750
09-09-2024Electric - varies-250
09-14-2024Verizon-350
09-20-2024Frontier CC-130
09-26-2024Windstream-71
09-20-2024Kids' Contributions1215

Debt Payment Goal

You will see the current plan is to pay the Amazon CC off in its entirety. So far the votes on that post are pretty consistent. But I am watching to see if anything changes. Assuming that happens. I will have paid off and closed three credits cards and two personal loans since February.

Helping Princess

You will also note that I expect to contribute $750 towards Princess’ October rent next month. Her internship ended last week and despite numerous applications, she does not yet have a job for this semester/school year. I’m certain she will but it hasn’t happened yet.

Travel Savings

There’s is nothing unexpected here. I won’t dive into my savings again especially on the travel side since we do have a Thanksgiving in Texas trip planned. I want to make sure that trip is covered by cash. By November, I should have $1,688 saved in my travel fund which should be plenty for that trip. (I used all of my personal savings and the bulk of my August travel savings to pay off one of my credit cards.)

Full Disclosure

At the time of this writing, I’ve been having this ongoing urge to head to Texas in September for a couple of weeks. I don’t know if this is my typical “just go somewhere” bug, worry about my parents, or just a premonition that it’s getting closer to the end for my mom. (For those new here: My mom has Parkinson’s and is bed-ridden, unresponsive, and requires 24 hour care. The only body function she still controls is her swallow and my family is reporting that she is less and less inclined to eat. Which is to be expected at this stage.)

My dad’s health has been suffering as well with recent surgery and living with consistent, undiagnosed pain for almost a year now. I’m sure that’s also tied to the stress and hardship of being my mom’s primary caregiver.

I just feel like I need to go and stay a while and help. Or be there. Or something.

I’m not committed to it. I haven’t mentioned it to them (my dad would make it happen in a minute if I did.) But it is a pretty consistent mental nudge.

If I do, do it, I will drive and take a dog. Assuming Beauty is still living at home (that’s a whole other story,) she would keep the other two dogs. I really don’t know what I will do. I don’t WANT to go, but I also do. Does that make sense?

I appreciate that I have a job and now the freedom from parenting to be able to make a last minute move like this should it come down to it. I will keep you posted.