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Home > Archive: January, 2019

Archive for January, 2019

Um... Wow! (Post 2)

January 1st, 2019 at 02:20 pm

So I've been doing some banking today.

First, I decided to transfer the funds from my Brink Mastercard account back to my credit union. My CU is paying 4% now, so the hassle of the Brinks card for 5% isn't really worth it anymore. Done.

Then I paid my gas bill. (I have to do this manually each month to pay via my US Bank Cash+ card for the 5% back.) It's on budget billing. I decided to look at our energy usage - it was pretty obvious that we've been using a lot less energy the last 6 months or so. (I would have to check to be sure, but I think it might correlate with the installation of our new water heater.)

So … I looked at our most recent bill. Yep, we have a $120 credit. That means that whenever they readjust our budget billing amount, our monthly amount will go down. Sweet. (I much prefer the budget billing method, even if it does mean there's sometimes a credit or a debit. Makes the budget much smoother in my opinion.)

THEN … I created an account to pay the bill for DH's first part of his hospital stay. The one where I had called to ask about any adjustments for paying in full.

The paper bill said $1289. The online bill said we only owed $59!! Say what???

I did some more sleuthing, and it appears that they adjusted the balance to where we only owe $59!!

This is going to make getting the spending bonus on the new credit card a little more difficult .. but I'm okay with that!

Now if the ambulance balance will do the same thing … wouldn't that be marvelous? Smile (We owe $1001 - the city sent me a remimbursement for $982 to pay towards it. Not sure why, but I'll take it.)

Oh, I also opened a new checking account due to doctor of Credit - Elements Financial CU. It should be a $200 bonus after a couple direct deposits.


January 1st, 2019 at 02:07 pm

Looking Back, Looking Forward

January 1st, 2019 at 10:54 am

Looking back at 2018 financially …

We increased our EF by $1200.

I had a goal to increase by $3000, but we had several weeks where DH was off work due to his heart attack, plus lots more medical costs. So I'm ok with it only increasing that much.

We fully funded both of our IRA's to the tune of $12k. ($1k of that funding did come from selling non-IRA stock the month after DHs hospital stay.)

We sold all of the electric car stock at $350/share. It went up to $369 a few weeks later, but is now at around $300 … so I'm glad to be off that roller coaster ride. All the funds were put into an index fund - either in the taxable account or our IRA's.

DH successfully raised and sold his first batch of angel fish. Fish are his main hobby right now (he owned two pet stores when he was younger.) This hobby comes from his fun money so it doesn't really affect our finances.

I paid for my cruise vacation with my mom fully out of my fun money - earned via Swagbucks, Earnably, Earnhoney, YouGov, credit card rewards, etc. etc.

Our medical fund was pretty much wiped out this year … but we had the money set aside for it. I'm putting it all on a credit card which will give me $500 cash back. So … a small win there.

DH has lost 45 lbs+ since Oct. I have gained 30lbs since January ….

At work my employer added 9% of my salary to my retirement, took 6% of my salary, and then I added another 11% or so. I increased the amount in February when I got a step raise, but since the new contract hasn't been signed yet, I haven't gotten my cost of living raise yet (usually in August) so that's all I increased it.

We paid $2k cash for some yardwork / improvements. This hopefully will reap dividends in ease of maintenance going forward.

I completed one course towards my AA degree - advanced typing, with a 97%. As soon as I get the official grade report, I'll be putting in for reimbursement.

Looking forward:

I will be taking 2 -3 more courses towards my AA degree in 2019. (Microsoft Applications 1 and 2, and possibly Intro to Accounting)

My supervisor will be retiring in November … so I'm not sure how that is going to affect things at work. She's working on our main boss to reclassify me to a higher level of pay.

I would like to add $2k to our EF.

I want to save $2k towards our medical deductible again.

We will fully fund our IRA's at $13k this year.

We need to focus on putting money towards our car repair fund. 3 of our 4 vehicles are really old and eating up money.

We will either be purchasing a treadmill or DH will be signing up for a gym membership. Purchasing a treadmill may involve getting an electrician to ground some of our electrical outlets - this is something we are still researching.

Hopefully a fence will happen this year. We have the money set aside for it - its just getting someone to actually do it!

DH wants to continue to grow his fish business.

I'm continuing to save towards a possible France trip - once my SIL is able to leave the US again. I have $600 of my $2000 goal.

Some of my usual earnings sites are getting more difficult to earn from. I have signed up with Shipt and Doordash to hopefully make up for lost fun money from those sites. My goal is to bring in $200/month besides what I can manage on the various sites.

I must stop the weight gain. The big culprit is my not avoiding the junkfood - i.e. sugar and chocolate. I have managed to avoid soda for over 2 years now - mainly by not allowing myself even a "sip" of DHs when eating out. I think that may be the only way for me to overcome the sugar/junkfood thing too - just say 100% NO.

This will also help the grocery spending …

I'm doing well overall with a whole foods plant based diet - except when I make exceptions for the junk I crave. No more exceptions! Lets see the power of this way of eating.

I bought a pedal exerciser thing from Aldi, and am looking at one of those bike stands if we don't get a treadmill.