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Interesting Times

March 29th, 2020 at 02:07 am

It is so interesting to see the contrast of these times we are in. My husband is actually working more now...a home deployment of sorts. I don't even get the mission and even he says it seems off and strange. But we are both thankful he has a job, when so many do not.

Stimulus money. Absolutely do not need it. At least in the short term. If we are on the edge of a depression who knows what we might need. I pray the everyone can go back to work very, very soon. I did have the thought tonight that buying a generator might finally be a good investment. We ponder one every hurricane season, but never pull the trigger. We have only been without power about 32 hours at the most and maybe only twice. Not pleasant, but not dire either. But then I go back to donating the money too.

Waiting to see about dorm room refunds. One daughter will get one, the other daughter's school is still figuring it out I guess. No money has been received yet. The oldest should probably put it on her small student loan, but then I wonder how long it will take her to get a job in this economy.

Dave Ramsey always says if you see a storm you stockpile cash, until the storm clears. I then wonder if I have been saving towards the Big Goal for a whole other reason! Of course, there was no way to know this was upon us. But I do have a pretty interesting intuition about things. I'm really trying to hear what it is telling me.

The loving kindness meditation I happened on this week was:
May You Be Well
May You Be Happy
May You Be Peaceful
May You Be Loved

Take care of you! We as humans are strong and resilient!

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?

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.

Looking Back Ten Years: Financial Point Of View

January 15th, 2020 at 08:15 pm

I'll attempt to include a screenshot of my

Text is December 2009 post and Link is https://creditcardfree.savingadvice.com/2009/12/31/the-numbers-of-2009_56168/
December 2009 post, but the run down I posted then was that we contributed $14,147 to retirement, our retirement accounts had increased by $33,219, and the value had exceed $100K for the first time.



We had paid over $10K on a home equity loan, with total debt decreasing by $17K. Not sure our total debt amount, but we may have had a loan on my van and home debt. If I had to guess $160K to $175K in debt.

I also reported paying our daughter's braces in cash along with a trip to Disney World. We were also getting ready for my husband to deploy to the Middle East for the second time.

Ten years later:

Husband is cosigner on a car loan for our daughter which had a balance of $4,959 at the end of December 2019. Otherwise we have zero debt.

We do not own a home and live on a military installation. We pay rent equal to our housing allowance. At this point we have rented since June of 2015.

We have $95,327 in cash (most of it invested in high interest rate CDs.) Part of that, $72,083.93, is cash towards our Big Savings Goal of $200,000.

We saved $21,627.56 in 2019 towards retirement. Our retirement accounts increased $172,287.30 in one year, with an ending balance of $660,822.27.

In 2019 both of our daughters were in college full time for the first time. Tuition bills were paid in full, with our oldest daughter taking out her first loan in the fall for $2,750. No parent loans thus far!

Our 2007 Honda vehicles are still paid off. While they have lots of miles they still run and look fantastic.

In ten years there has been significant progress in retirement and we have mostly stayed out of debt (just a little help for our daughter).

It's fun to look back and I look forward to another ten years of financial progress. It should make for an interesting story!

End of Year Thoughts

December 31st, 2019 at 02:51 pm

On this last day of the year I thought I'd reflect on a few things, but expect more detailed financial posts in the coming days.

It was an unpredictable year.

I didn't plan for buying our daughter a car, yet the writing was on the wall. That lack of planning resulted in a loan in her name with my husband as cosigner. We are currently making the payment of $133.50 per month because our daughter has a very part time internship. She uses her earnings to cover groceries and gas on the vehicle. The balance is currently $4,949.50. We are not currently making extra payments. I'm mixed about this loan considering we have the cash on hand. But on some level this should be hers to complete once she has a full time job.

We did put $3000 cash down on the vehicle and are currently paying ourselves back for this. I will have an update in a couple days on our progress on this.

Our oldest daughter also has taken on two student loans, each $2750. One is just about to be disbursed for spring. This are the first and only loans she has had to take out. I'm also mixed on these because yes we have the cash, yet I think it is okay for her to have some skin in the game. On the other hand she double majored and we will have supported her for five years by the time!! It's still amazing to me that we were able to get her through school with this small amount of debt.

Our youngest daughter did not need to take out any loans. She still has ESA funds, a least a year of Post 911 GI bill eligibility. We currently save $500/mo (or $6000/yr) towards her tuition.

Our retirement balances have skyrocketed this year with returns exceeding 25%. It was a great year to be in the stock market. We increased my husband's Roth IRA contributions to account for his catch up eligibility since he turned 50 this year.

I'm still impressed with our ability to handle the travel costs associated with having our girls living over 1000 miles away. I think I'm making plane reservations every three months on average!

We did make progress on our Big Goal this year too, which I will report in detail in the next few days. It was an average year towards that goal. Sometimes the effort seems so slow, yet at the same time I'm grateful that we have this goal. I think this money would just slip away without it!

In non financial news, I lost about 15 pounds this year and have been able to keep most of it off all year. I did really well exercising at least 5 days week. I drink a good amount of water regularly. Healthy habits and progress towards a little more weight loss is the goal in the coming year too.

I'm going to count 2019 as a success! Happy New Year!!

College Next Year? FAFSA Time!

October 19th, 2019 at 02:46 pm

As of October 1, anyone who will be attending college or higher education next year (Fall 2020) can fill out the Free Application for Federal Student Aid (FAFSA). Schools often have deadlines for you to complete these in order to be eligible for some type of aid.

I always dread it for some reason. Up until this year we took out zero student loans. Technically, our daughter took it out. It is a bit of a mute point if you don't even intend to use them, but we did find out with our youngest daughter's college that they use the FAFSA to determine grant money the University offers. Our daughter received $1200 her first year and $1000 for this school year. It will be interesting to see if that goes away since our FAFSA info will reflect she is our only student in college next year.

We are grateful for not needing to take out very many student loans. Will you fill out the FAFSA for yourself or your children this year?

Random Money Updates

March 27th, 2019 at 03:57 pm

Spring break with the girls was wonderful! We had a good balance of relaxing, which they really needed and getting out to explore some things. We did several free things and had dinner out twice, so we easily spent under $150 for those kinds of things. Our grocery bill went up slightly, but that's to be expected.

I found a quarter out back in the alley when I was talking to a neighbor. I love finding cash on the ground!

I'm working on my next $25 Amazon or Paypal redemption with Swagbucks. I really just try to complete the To Do List on the left hand side of the home page. I try the surveys, but I'm not always successful, so as to not waste any more time, I do skip that one. I think Rose asked in another post about how to do it. I would suggest following Swagbucks Swaggernauts on FB for tips and pointers. There is definitely a learning curve. I have found a free malware extension on my computer helps with the junk that can come from using the site.

We received our $10 Visa rebate card in the mail from NAPA for the battery we purchased a couple months back. I plan to use it out shopping. I will then add $10 cash to the Big Goal.

I've redeemed some credit card cash back rewards and will update with a total for March when I report how much progress we made on our Big Goal this month.

We need to already be thinking about airline tickets for May! We will likely go back to the Midwest to help move our daughter's out and help our oldest daughter buy her first car. She is likely going to be staying back there this summer to take a class and get a job or internship. Lots of activity around here and spending.

I have three items I need to sell. Two should be able to go on eBay and the other should go up on a local sales page. I rarely do eBay any more since my main motivation was usually to sell outgrown clothes and toys. I saw a YouTube video the other day though that reminded me of how it is possible to buy items at garage sales and resell them for more. Something I might try and see if it keeps me interested. Clearly more work than finding items in my house!

Please excuse my random thoughts!

Cash In, Cash Out

March 17th, 2019 at 01:36 pm

The tax refund did arrive as expected. It is currently in our savings account marked as Big Goal money!! I decided to act like it didn't exist in some ways. We were never expecting a refund, so spending it didn't exactly seem right. If we need an additional $1900 we can take it from our other savings or cash flow it.

I earned enough Swagbucks to redeem for a $25 Amazon gift card. I used it to buy cabin and engine filters for our two vehicles. Those arrived yesterday.

We learned this past week that the University our older daughter goes to overestimated her VA benefits for the semester. Once they received actual payment, they notified us we owe $595 by April 12. Our plan is to use her ESA to pay this. Her benefits were lower this semester, so this was the plan all along, we just know the amount we need to take out now.

Our girls arrive here today to spend their spring break with us. My husband took the week off, so we can do some more exploring of our new town with them. This likely means some meals out and money spent on entertainment.

I learned recently that American Express waives their annual fees for active duty military. I haven't taken action on that as I think we only have one card of theirs with an annual fee. This may give us an opportunity to use some of their other cards with higher annual fees and better benefits. I have more looking to do on this. Anyone have experience with this? If so which card do you use? Yes, we use credit cards, but do not carry a balance, nor pay any interest. Credit cards a financial tool that can be beneficial if used wisely.

Tax Refund Arrives Tomorrow

March 5th, 2019 at 03:58 pm

Tax refund is pending in our second checking account right now. Somewhere I saw that it would arrive March 12. It's arrival is about a week sooner than I expected.

I really, really want to add this to the Big Goal. And I probably can, but then just back it out later if needed.

Another part of me thinks I should put it towards college tuition expenses since the refund can be directly attributed to taking the American Opportunity Tax credit.

I also know that I could send it various places too.

I think I'm conflicted about where to allocate it because of some bigger outflows happening right now. Spent over $800 on plane tickets for our daughters to come home for spring break. We need to pay the VA for the overpayment they sent the University (and University sent to us). I think there is something else too.

Once I work through my emotions and review our budget in YNAB a bit more, I think I can eventually make a decision. It's been several years since we had a refund and I wasn't expecting one...so I wasn't making plans on what to do with it!

I'll be back to let you know once I decide for sure!