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Tax Return Filed

February 18th, 2020 at 02:38 pm

I filed our tax return for 2019 on Sunday. The IRS and our home state where we file have both accepted the returns. My husband's income is exempt in our home state, so we owe nothing and since we didn't have any state withholding taken, there is also no refund.

We are getting a $1,308 refund from Federal. I had several years in the past where we tried to get closer to zero refund or owed, but I have skipped that the last two years because of tax changes and different credits applying for college expenses.

We have decided this refund will be set aside to assist with our youngest daughter's tuition bill. Her junior and senior years are higher tuition because she is an engineering major, so starting in the fall we will have an additional $1000 per semester on top of what we already pay. It is possible that she will get a scholarship that will reduce the costs.

I did run my oldest daughter's taxes through a program and she is getting a $94 refund from Federal and $34 from the state. We have not filed it yet, as I do want to run through it with her so she understands it.

In other money news, we had to buy a Blu Ray player. It sort of sounds archaic to buy one, because we do stream a lot of content, but we do also own DVDs and Blu Ray discs. We have also started renting newer releases for $0.60 from Redbox (after coupon code), which is less expensive than rentals through Amazon, ect. Our old player was cutting off the sound intermittently during playback. We paid $62.99 after a coupon and it's more than I really wanted to pay but we did shop around a bit and this was the one for the right price with the features we wanted.

I redeemed Swagbucks for a $25 Amazon gift card, and American Express rewards for $36.06. I also sold another item on eBay last night that needs to be mailed out.

What will you do with any tax refund you get this year? Save? Pay off debt? Or make an purchase?

Getting Out of Debt Inspiration

February 16th, 2020 at 03:35 pm

I've been watching a couple that's on YouTube work on getting out of a lot of debt. They were behind on their mortgage and didn't know until people started commenting that they needed to get current first!! When you are behind on payments that IS a debt and one that can get bad very fast, potentially losing a home or a car.

They have been gazelle intense on selling lots of things and their house is on the market to sell. They are finding cash in their home, including redeeming Ibotta rewards and credit card rewards for cash and gift cards, things that just weren't on their radar.

They are creating budgets, using cash envelopes, stopping monthly subscriptions and eating out. They shopped at Aldi for the first time. The skipped buying each other Valentine's gifts this year. They are rocking it!! And it's very inspiring. If you are in major debt, or looking to figure out what to do, find those that are making it work and follow their example for inspiration. There are lots of people who live debt free, and are climbing out of debt.

Yes, it's overwhelming to be in debt, but it's freedom to make the changes and strive to live a debt free life! Now go find yourself someone to inspire you if you have lost your way.

Listings on Ebay and More Snowflakes

February 5th, 2020 at 09:49 pm

I've listed quite a few things on eBay. I've already sold a pair of brand new jeans I never wore when I was that size! The other items may or may not be in demand. I have noticed that it is easy to keep listings up long term, through the Buy It Now option. Eventually someone seems buy many of them. I just have to manage how long I want the items that I no longer want sitting in my closet!

My husband traveled for work in January. His travel payment came through this week. He kept his expenses under the allowed per diem, which made us $122.15. That money will be allocated towards the Big Goal.

By the way our Big Goal is to save $200K towards our next home, possibly four years from now. It's BIG. It may not be realistic, or attainable, but we are moving in that direction. It may be some of the funds will get used for something other than a house. But I didn't want to spend years renting and not making some headway towards a home if that make sense. The effort and the progress is where I am currently focused. It's not necessarily what we do with the money when the time comes. As a saver it may be really hard to part with a large pile of cash, but I also want to keep debt, if any, realistic, too!

Are you decluttering? Are you selling anything to bring in extra funds?

Started Tax Return

February 4th, 2020 at 10:39 pm

I started working on our tax return today. I've been dreading it.

Figuring the American Opportunity Tax credit correctly is always a chore for some reason. I only felt it was a chore last year when I realized both schools report differently on the 1098T. You would think there would be clear requirements. One includes books bought at the school book store and the other doesn't is one example.

Only the youngest qualifies for the AOTC this year, and I'm still waiting on her to get the 1098T from the community college she took summer classes with.

The oldest daughter will need to actually file her own tax return this year due to having a job, and selling her mutual fund this year. I'm going to work on it for her initially, but will try to walk her through it at some point so she knows a little about what to do going forward.

My husband said to me the other day, how did you learn how to do taxes? I learned from my dad! And then, of course, learned how to read up on the regulations as they change for our situation as we went along. His dad was a tax accountant and always did my husband's taxes for him. And for a couple years, he did our taxes as well. But he died in 2002, so I was back to doing our own taxes. My husband said he would have no idea what to do if he had to file his own taxes.

I recently remembered having an argument with his dad on the phone when he exchanged our oldest daughter's mutual fund to a new investment. I was only made aware when the statement came in the mail. I did not like him making decisions for me! He explained why and then I did my research after to confirm he made a good choice. And that is the fund I stayed with up until our daughter sold it this summer.

So far we are expecting a refund, and it will probably be a little less than last year since we have to use the less valuable Lifetime Learning Credit for our oldest daughter's tuition.

Have you started your taxes? Do you do your own or do you pay someone else to complete them for you?

Paying Ourselves Back: January 2020

February 2nd, 2020 at 10:28 pm

We are paying ourselves back for money we put down on our daughter's car in May 2019. I am putting all sources of extra funds towards that goal. Here's what I found in January:

US Bank $13.00
Chase Rewards $3.82
Amex Rewards $67.30
Utility Rebates (2) $59.91
USAA Rewards $3.12
Pinecone Surveys $3
Ibotta Rewards $22.09
Swagbucks (Paypal) $25
Ebay Sale $5.37
Extra Funds $175

Total $377.61

Prior Payback Balance: $875.75
New Payback Balance: $498.14

I have extra funds that I could just call this done, so it's likely I will just call it done pretty soon. The extra funds listed seem to be an extra payment I added in YNAB to no detriment to the budget...so I'm leaving it. We did a very good job of keeping to a pretty frugal budget this month!

Big Savings Goal: January 2020

February 2nd, 2020 at 10:10 pm

As mentioned earlier this month I have increased the amount we save automatically each pay period going forward to create at least an additional $2,020 in 2020! In the future this will be $260 per pay period.

January Big Goal Additions
Paycheck 1/1 $175
Paycheck 1/15 $200
Extra contribution $125
Total Interest $183.99
Total Contribution $683.99

YTD Total $683.99
New Big Goal Total $72,767.92

Oh, how I would love to to get to $100k! We will just keep plugging along.

January 2020 Interest Earned

February 2nd, 2020 at 10:01 pm

Here's the interest we earned on our cash savings last month:

FNBO $58.54
NFCU $125.42
USAA $0.03
Total $183.99

All interest was saved towards our Big Goal.

Interest adds up. I was a bit shocked at the total on one of the 1099 INT statements that came in the mail. Over $1400 on one account alone. Best year yet for interest!

I'm a Spammer on Lucky Robin's Blog

January 24th, 2020 at 10:23 pm

Apparently, you can't type the word congratulations in the comments on someone's blog any more?!?

Anyway, Lucky Robin, Congratulations!! You did great paying off debt this month.

$2,020 In 2020

January 23rd, 2020 at 06:23 pm

I plan to save an additional $2,020 for the year. I've decided to simply automate this, and add it to the Big Goal total. Prior to making this decision I had already increased our automated savings of $175 each pay period to $200. This works out to an additional $50 per month saved.

In order to make the $2,020 increase for the year, I will change the automatic savings amount to $260. This increases each savings deposit by $85, compared to last year.

$85 x 24 pay periods is $2,040, which meets the goal exceeds it just a little.

I realized I didn't actually change the amount from $175 to the new $200 until the 15th of January. So I am short on both January deposits by $145 total.

I am moving that shortage today to make that the full $520 saved for the month. I will also adjust our automatic transfers as of February 1 to be $260 per pay period.

I have some apprehension in making this increase despite knowing my husbands annual raise was only enough to cover the added insurance premium for our daughter. This means we are forcing ourselves to have less to spend each month by $170 per month.

I think if it gets pulled out each pay period we just won't see it and will not have it to spend. At least that is the hope. Worse case scenario, I have over saved and can use the money if needed. I'm just going on some faith that the money will be there.

I'm not kidding, but seconds after I typed that I was going on faith, I received a notification on my phone that I sold a book on eBay. I'm taking that as a sign that we definitely should do this extra savings. The money we need will be there when we need it.

Are you saving more in 2020? How are you making it happen? Or if you have debt, are you paying more towards your debt?

Note to self, added $125 for January shortage, since additional $20 would actually put over goal. Transfers set up as $260 twice per month beginning February 1.

Equifax Data Breach Last Day to File Claim

January 22nd, 2020 at 11:20 pm

Today is the last day to file a claim as part of the class action against Equifax for the data breach.


"In September of 2017, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court is considering a proposed class action settlement submitted on July 22, 2019, that, if approved by the Court, would resolve lawsuits brought by consumers after the data breach. Equifax denies any wrongdoing, and no judgment or finding of wrongdoing has been made."

Go

Text is here and Link is https://www.equifaxbreachsettlement.com/
here to file a claim or get more information about options available to you.

I just filed today! I remember hearing about it months ago, I just didn't act until today.

Random Money Thoughts

January 21st, 2020 at 03:25 pm

I have not been good at focusing on much of anything lately, including getting a blog post together. So this is all just random.

I paid our youngest daughter's tuition and housing bill. I had saved $500 a month for the last five months to pay the tuition out of pocket. I used her ESA to pay $5700 to pay for room and board. No loans for her yet!

Our oldest daughter's tuition and housing bill is at about $9,294. She is only taking six credits to finish up this May with her two degrees. I have $6,170 in our account towards that and I believe her loan and a couple small scholarships total $3471. So we will have nearly $300 left. I will likely give this to her at graduation to put towards the loans. No point in doing it earlier, as the loans are subsidized interest.

We got a utility refund for being under the average. That was $27.30. This program is likely going away at least in the short term while they do a military housing wide evaluation, due to complaints. I can see the next refund will be larger at $32.11 and appears to be pending now. I save this money towards our Big Goal.

I redeemed credit card rewards recently. Amex $67.30 and Chase Freedom $3.82, and US Bank $13.00. It all adds up!

I earned an Amazon gift card ($25) from Swagbucks since January 1. I earned $506 in gift cards in 2019. Many of which I think I failed to count towards our Big Goal.

I have kept my eye out of for some Christmas cards on clearance and finally found a box of 14 cards by Papyrus for 90% off. I paid just $1.89 at the local exchange store. This is the only Christmas item I was in need of.

This weekend I went to Dollar Tree and bought 9 cards for $6. 8 were 2 for $1. The valentine card my husband picked out for me was $1. This is a win, as he probably would have ended up elsewhere for a card and paid $7! I also bought some of those foil containers with a lid for food. I put a meal in the set of three for a neighbor who is recovering from surgery. Great deal so they won't have to worry about returning dishes.

I did decide to keep YNAB for now. It is a time saver as far as reconciling accounts, and helps me keep good records of our spending and savings. That will be charged to our account today for $75.59. I have looked at other options but will say they don't quite add up to what YNAB can do.

I think I mentioned this once but my husband raise for the year (not the likely upcoming promotion), is going to end up covering our oldest daughters insurance premium. It sort of doesn't feel like a raise when you don't feel like you get to decide what to do with it. But in reality I'm grateful the money came at the right time for the additional expense and didn't have reduce our savings.

It's going to be a busy year. Lots of travel for my husband. Our oldest daughter will graduate in May (with unknown plans after). Will she move elsewhere? What job will she get? She just seems very focused on finishing up. We will travel to her town for graduation. I just made a hotel reservation and probably am lucky I found something at a reasonable price at this late date!

Our youngest has talked about study abroad for this summer, but I'm insistent that any classes she does take must count for her major or minor. So far, we may be striking out. While the experience would be great, it doesn't make sense to pay for a class that doesn't count.

My parents will celebrate their 50th wedding anniversary just after Christmas this year. They have talked about wanting to take a trip with my family and my sisters family on a trip. We have said we will definitely go, but we have no idea where or what the trip may cost.

That potential trip has me wanting to sock away more money in 2020! I mentioned before the year end that some are looking to save $2,020 and I'm thinking of adding that to my savings plans to help with this trip. Hopefully in my next blog post I can try to have it flushed out where I will find this money! I think I just have to make it happen like a bill ($2,020/24 pay periods is $84.17 or $168.34 a month).

Thanks for listening to my brain dump! I didn't even mention taxes...I will save that for another time, too.