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Payday Report for 3-22-19 and 3-8-19

March 22nd, 2019 at 04:00 pm

I need to get back in the habit of doing these again. I had a little bit more money go out than was in the paycheck, but was in the checking account. The actual amount of pay for the two week period is $3274.62. It is quite a substantial raise.

$327.46 Tithe
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
_441.41 Automatic Payments
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Blow Money Adults
_800.00 Monster Mom Loan
__95.00 Allowances Kids
_100.00 Holiday Fund
_523.67 Citi Visa
-------------
3284.74 Total Money Out

So for the previous pay period the amount was 2687.71, but we also had the tax refund of $1349.00, so I combined those together for the budget and the total was $4036.71. I messed up the tithe by a couple of dollars but rectified that in the 3/22 budget.

$401.70 Tithe
_400.00 Utilities to Mom
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
_280.00 Chiropractor Family Plan
_108.91 Internet
__74.54 Garbage (We had extra pick ups and it's a 2 month bill)
_567.14 Car Insurance
__50.00 Car Maintenance Envelope
_100.00 Gas Money
__90.00 Allowance DS
_200.00 Clothing Envelope
_100.00 Laptop Fund
_500.00 Monster Mom Loan
-------------
4036.71 Total Money Out

And yes, I do save money each month for car insurance, but I just left that in savings, because it was easier to pay it out of the income tax refund than to wait three days for it transfer between banks. It can be part of the EF now.

Donating To Those Affected By Major Flooding

March 22nd, 2019 at 03:34 pm

It's so sad. The flooding happening in the Midwest. I have friends and family there. One friend did have water in their unfinished basement, but she says it is no big issue. They did have to evacuate for one night. However, a niece has two coworkers who lost their home. They are completely displaced and lost everything. My niece is fundraising for them, so we decided to donate to her friends and will also send in a donation to the Red Cross, which is our charity of choice usually since they are a neutral, independent and impartial organization that can help respond quickly in crisis situations.

It was quite disappointing to the people of those states that news coverage started so late on this. People think that these flyover states don't matter, but these are the people that supply the beef and corn (among many, many other products) that go into other products in our food supply and the grain used to put ethanol in our fuel. This will affect you financially is some way.

Please pray for those affected by the flooding.

Anyone use Acorn?

March 22nd, 2019 at 02:58 pm

I’m considering signing up for Acorn, any one use it?

Another new job

March 22nd, 2019 at 08:09 am

I took on another editing job. The first two days I really wondered if it was going to work out. This is more independent contracting work. However, the main company I edit for is more structured. I have a lot less guidance with the new company. I like the fact I have more flexibility, but it is quite a learning curve when you have little input. I think it will work out fine now that I have figured out a few things.

Based on the initial interview call, I thought I might only end up with $200-$500 more a month. However, it appears they gave me many more clients than we talked about. It looks like I may be giving up subbing. I only need to sub once a month to keep the insurance.

I will update again when I know more firm numbers.

I think I'm getting a raise

March 22nd, 2019 at 07:24 am

I love my job but sometimes they're a little weird, or at least a bit lacking in the communications department.

I got an email yesterday afternoon that they are issuing updated Employment Agreements. They attached my new contract for me to review, sign, and return.

1. I had no idea a new contract was coming.

2. I knew that our per diem pay rate had gone up so I wasn't surprised to see that in the new contract.

3. Our regular pay also went up and they added a "weekend premium" to the compensation. I have no idea what that is or how it was calculated.

4. I'm 99.9% sure that the numbers they sent me are for 40 hours/week but I work 36 hours/week so I need a new version that has my actual numbers.

I've emailed the corporate person who handles the contracts and my immediate supervisor asking for clarification on a few items so I'm waiting to hear back from them.

Bottom line, if I'm reading everything correctly (and it's accurate), even if I adjust to 90% of the numbers they sent me (36 hours vs 40), that would come out to an overall raise of about $15,800. But right now, I have no idea if that's accurate. I'll update when I know the answer.

Day at Home

March 22nd, 2019 at 06:24 am

I'm planning on making this a day at home. I woke up with a headache, so I want to take it easy as much as possible.

I do want to get some things done. I need to clean the fish tank. I want to do some more cooking for the freezer. The whole place needs to be vacuumed and mopped. And I have another load of laundry to do.

Yesterday I spent $6 on hot chocolate for GS2 and me. It was the day I take him to cooking class after school. There is not quite enough time to go home, but too much time to take him straight there. I killed a little time with a trip to the library, but we still got there way too early, so I pulled into Starbucks and we got the hot chocolate. Variables are up to 83% -- five days to go.

It appears the lending closet loans items out for three weeks, so I going to go there closer to my surgery date.

I am hoping not to spend anything between now and pay day on the 27th.

Pay day

March 22nd, 2019 at 05:19 am

Yay it’s pay day. Today bright and early I was crunching numbers.

For the first time I decided not to pay extra on the mortgage and throw it at the credit card 💳. It was tough because I don’t want to lose the habit of paying the extra on the house but I want the CC gone. Extra payment on CC9 is $181, down to $3,495.18.

I socked cash away to all the sinking funds. I looked at my home repair fund and smiled. It’s $667, for some of you that may seem small but it’s huge for me. I know home ownership can be daunting for some, my sister is a great example. She bought a home last year July, too much home. Her mortgage is $1400, yikes! Her roof started leaking, she got a quote to repair and it was $300, small leak at the time. She didn’t have the $300. Now the leak is getting worst. I don’t want that to happen to me. When I knew I would be closing, I immediately set up a sinking fund and started budgeting for it. I’ve been in my home renting for 8 years prior to purchasing, no major repairs but I know Murphy could decide to visit. I’m praying that I get two years in without any major repairs.

I’m also proud of my Christmas and birthday sinking funds. It feels so good to know that this will be my second year that I can pay cash for Christmas and when birthdays, showers etc pop up I can pay cash.

Today’s spending
$185 HOA
$965.10 Mortgage
$181 CC 9
$65.13 Electric
$187

Savings
$25 EF
$25 Car maintenance
$25 Christmas
$11 Birthdays
$50 Home repairs
$20 vacation/fun
$88.80 HOA
$20 Sorority
————————-
$264.80 total

Figuring Out the New Budget

March 22nd, 2019 at 01:55 am

The paycheck hit the account early. Usually it isn't in there until eight a.m. So I went ahead and did the budget for the end of March (and what I didn't do out of last time's paycheck because I was sick) and then closed out the budget for the month. After that, since this paycheck did have the new amount with the raise on it, I changed my budget template to account for the increased money and then I set up the April budget.

So it looks like we will have $1177.54 more in each paycheck. Now some of that will go to increasing the tithe amount to keep it at 10%, but the rest is all going to be thrown at the monster mom loan. If we are careful, I should be able to make payments of $700 the first payday of each month and $1300 the second payday of each month. At least barring any unforeseen circumstances.

I would have actually been able to make a $1000 payment this time, but I doubled the clothing budget as DH ripped out yet another pair of pants. He does this by getting down on one knee and then stretching forward to pick something up. I tell him not to do it, but he keeps doing it. And it always rips outside the seam so it can't be repaired. So he needs to get a couple of pairs of pants, DD needs a new cardigan (she gets called so easily even when it is warm out), I need a new cardigan and possibly a couple t-shirts. I need to go through my closet to be sure, but I think I need at least two.

I paid off the credit card (which I do monthly), but it was high this time because of all the take out while I was super ill. So if not for that I would have been able to make a $1300 loan payment this payday.

I am feeling a lot better. I still have a runny nose and a cough, but I have been able to sit up all day for 2 days running, and I was able to make dinner three days in a row now, so there should not be anymore take out, except for the weekly meal that MIL pays for if we choose to have it.

I am still not super hungry. The flu really killed my appetite. I've lost 17.4 pounds total since the 6th. Not on purpose, but I'll take it. I am up to one meal and one snack a day, but will try to get up to one meal and two snacks tomorrow. But eating is still a chore. But I really need to make sure I am eating at least 1200 calories.

I went grocery shopping today. Just one store and I used up the rest of last payday's grocery budget. I will do more shopping tomorrow with the new grocery budget. I figured it would be easier on me to just do one store today and one store tomorrow, than try to do two or more stores in one day. I don't have the stamina for it. I did make it through the shopping without having to use my inhaler, so I've vastly improved since the last shopping trip.

So at Haggen I spent $192.43 and bought:

Aspargus
Green cabbage
Scarlet carrots
Daikon
Red grapes
Oranges
Green bell pepper
Red bell pepper
Strawberries
2 beef chuck roasts
3 family sized packages of sirloin steaks
1 pork shoulder roast
1 package chorizo sausage
1 sliced ham chub
1 sliced turkey chub
Popcorn
1 loaf of Naked bread
1 package of Naked hamburger buns
4 jars of Classico Alfredo sauce
4 jars of Miracle Whip

The last two items were on super good sales, but you had to buy 4 to get the sale price. That's okay, though. The MW will last us until the next big sale and at $2.99 it was half price. The Alfredo sauce I use at least twice a month for Chicken Fettucine Alfredo and at least twice a month for the kids' pizzas (DD can't eat tomato sauce anymore). I make them a chicken parmesan bacon pizza with Alfredo sauce. It's honestly just like the one from Pizza Hut only no tomatoes. The kids say it is actually better. Probably because I cook my crust to crispy, unlike PH.

I still have to make up a meal plan for next week. I will be making pizzas tomorrow, burgers and jo-jos on Saturday, and pot roast on Sunday. I'll work on next week's meal plan after I've finished all the grocery shopping.

Another Loan Payment

March 22nd, 2019 at 12:56 am

$21,000.00 Balance Forward
-__,800.00 Payment Made
-------------
$20,200.00 New Balance

Next payday that first digit will be a 1. So close I can taste it.

Thoughts on work

March 21st, 2019 at 06:07 pm

I have three months left to finally step down from my job. I am definitely glad the universe aligned with my plans because quite frankly, I am not sure I could have done this much longer. I don't want to be those type of teachers who are so burned out but yet have to stay because financially it would be a stretch to leave the profession. It is a disservice to the kids and self and I have integrity. I admit that my time as teacher has come to an end. When I first started working as a teacher, I thought I could change the world but that was quickly squashed to death. Yet, I hope that my students remember me as a kind and compassionate teacher. I would not mind working as a paraprofessional; do my job, go home and enjoy my life. Let's see what happens.


Finances are going as planned. My husband and I went to a seminar to learn more about applying for his pension. Mine is pretty straight forward since it will be differed until I turn 60 years old. I will take a 3% penalty for three years until I hit 55. Oh well! The presenter was very good and I'm glad we went. I am escaping to sunny Florida this weekend for some "me" time.

Loan snapshot

March 21st, 2019 at 02:32 pm

Student loan updates:

It seemed like a good time to post a snapshot of my loan progress . For the paid off federal loans only principal is listed because it’s hard to tell the total interest paid on the website. As you can see, I owe Uncle Sam approximately a gazillion dollars.

Private loan: $19,612.46 principal and $454.07 interest – PAID OFF
Grad plus loan: $9,546 principal – PAID OFF
Stafford loan #1: $8,500 principal – PAID OFF
Stafford loan #2: $8,500 principal- PAID OFF
Stafford loan #3: $8,500 principal and $1,399.20 interest: Balance: $9,899.20
Stafford loan #4: $43, 595.23 principal and $10,794.81 interest: Balance $54,390.04
Stafford loan #5: $43,952.80 principal and $10,882.72 interest: Balance $54,835.52
Stafford loan #6: $44,013.66 principal and $10,898.01 interest: Balance $54,911.67
Stafford loan #7: $48,070.76 principal and $11,902.37 interest: Balance $59,973.13

A great afternoon for a cup of tea and a book

March 21st, 2019 at 11:49 am

Here it is the official second day of spring (first full day if you want to be accurate) and it is gloomy and cool. I'd say cold, but I guess 41 is a lot warmer than it has been this winter.

One of my favorite things to do is go to the library and we did. I returned 4 books and checked out 5. So, after I finish here, I'm going to go back to reading.

Amber asked for a list of books I've read so far and here it is:

Title & Author
The Christmas Wedding James Patterson and Richard DiLallo
The Skeleton in the Closet M.C. Beaton
Amish Promises Leslie Gould
Amish Sweethearts Leslie Gould
Standing in the Rainbow Fannie Flagg
This is the year I put my Financial Life in Order John Schwartz
The Next Millionaire Next Door Thomas J. Stanley and Sarah Stanley Fallaw
Christmas Cake Murder Joanne Fluke
Plum Tea Crazy Laura Childs
A Highland Christmas M.C. Beaton
Agatha Raisin and the Day the Floods Came M.C. Beaton
Raspberry Danish Murder Joanne Fluke
The Dead Ringer M.C. Beaton
An Amish Family Reunion Mary Ellis
Waking Up in Dixie Haywood Smith
A Plain Man Mary Ellis
Agatha Raisin and the Busy Body M.C. Beaton
A Christmas by the Sea Melody Carlson
The Essential Tea Companion Kim Waller
Winter in Paradise Elin Hilderbrand
You Don't Own Me (#6 Under Suspcion) Mary Higgins Clark and Alafair Burke
As the Pig Turns M.C. Beaton
Agatha Raisin and the Potted Gardener M.C. Beaton
The Blood of an Englisman M.C. Beaton
Winter Stroll Elin Hilderbrand
Winter Solstice Elin Hilderbrand

I tend to get on an author and try to read everything they have. I did the same with Grisham, except for his non legal ones. I also tend to like the Amish fiction because sometimes I need something easy, even if it is predictable.


I finally finished up all the teas that were given to me that I wasn't particularly fond of and I did splurge and buy a box that was a holiday tea that was on sale. It is a sugar cookie flavor and it has a hint of it and is a nice change when I don't want regular tea. Today is just plain hot tea and I'm getting adventurous and having some with some milk.

There is something immensely gratifying about having a cup of tea in a china tea cup and saucer and have a pot of tea brewed. I've done the mug and tea bag bit too, but every once in awhile I like to treat myself to a fancy tea cup and a pot of tea. I collect blue willow dishes. Well, I should say I have collected. I won't buy anymore because I have more than enough, so I have plenty of tea cups and saucers as well as tea pots. Why have these things if I don't use them?

I have always wanted to go to a real tea room and have a pot of tea specially brewed, but never had that opportunity. There is an author by the name of Laura Childs who writes a mystery series based in Charleston, S.C. and the owner of the tea shop solves mysteries. Every time I read one of her novels, it makes me wish I could go to a real tea room.

Culver's

March 21st, 2019 at 07:05 am

The boys and I stopped at Culver's last night after music lessons, and I spent $13 for three burgers. Music lessons now start a little later and go a little longer, so the boys are really hungry when they get done.

I spent $4 out of pocket above the $15 gift card for groceries at Aldi yesterday. Variables are now at 82%. Six days to go.

I am checking out lending closets for medical equipment. It looks like the nearest one is a little over nine miles away. I will be provided with a walker, but I will need a booster seat for the toilet. I think I'll skip the shower stool, etc. I plan to take what my mom called spit baths until I can lift my leg over the tub side. That has worked out well before.

Anyway, I will go check out the lending closet tomorrow.

BFF will have to leave five days after my surgery. I am hoping that I will be pretty good by then. I will have my DS & DIL who are VERY nearby on call, and if I feel a little shaky one of them can stay the night. (They don't know that yet.) When I had my ankle surgery I spent a lot of time alone, and the recovery from that was a lot more challenging than hip replacement is reported to be. I guess I'll find out.

I'm off to the gym....