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Unexpected Blessing

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Well, my goal of Two No Spend Months kind of flopped when my heat went out, my glasses broke, and so forth and so on. I didn’t exactly no spend. But I didn’t spend anything I didn’t HAVE TO!

Our Neighbors

I don’t know if I have written much about my neighbors here. When we first moved into our house, 4 of the 8 houses closest to us were rentals. Over the last, almost 7 years, there have been some changes. Now only 3 of them are rentals. But most of our neighbors are pretty up there in age. In fact, of the 5 non-rentals, 4 of them have been there longer than us. And we LOVE our long term neighbors and some of our newer neighbors as well.

However, the drawback to everyone having been here forever is that many of our neighbors are quite old. In fact, in the days between starting this post and now finishing it, one of them has died. His daughter called me today. (He’s the one who had run over my mailbox. I shared that, right?!?)

Anyways, as his health worsened we did what we could to help. We grocery shopped for him, answered his calls for help on whatever. I even got to climb through his bedroom window one day to let the EMTs in when they couldn’t find a house key. For the last couple of years, Gymnast worked on his yard. And we spent hours listening to him reminisce about  the “olden” days up in Illinois where he was from and raised his 5 children.

Unexpected Help

All that is to give some back story on how our cupboards and freezer got re-stocked. When he was admitted to the hospital for the last time and told that the end was imminent (heart issues,) he knew he would never come home again.

And he graciously had his grand-daughter clean out his food and give it to us and another neighbor. We received a freezer full of food – bread, meat, frozen meals, along with eggs, bread, and a few other canned items. Oh, and I failed to mention that he was Italian so this food is really good. I didn’t have to spend a dime on food for the previous two months.

I’m also confident that with a small re-stock in the next week or so, we can go another two No Spend months.

So this post is a gratitude post to our neighbor Mark. May he rest in peace.

 

Hope’s Debt Update – February, 2024

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I am hitting the ground running. Because my new work is contract based and I have learned over the years…I am working on a monthly retainer agreement and will be paid in advance each month. Since I started work this week, I have already been paid for the 9 days this month.

As soon as it hit my bank…I scheduled to pay off one of my credit cards. Woot, woot! My lowest balance card is at $0! And I am going to cancel the card to avoid any temptation in the future.

Debt DescriptionOctober, 2023 TotalInterest RateMinimum PaymentCurrent Total
Personal Loan #1$2,5000%$2,500
Personal Loan #2$2,5000%$2,500
Dad - New Furnace$2,6000%$2,600
CC - AMEX$89429.24%$0$0
CC - Wander$1,63029.24%$124$1,735
CC - USAA$5,00019.15%$135$4,966
CC - Amazon$1,49729.99%$53$1,481
CC - Sams$1,10629.99%$40$1,133
CC - Frontier$3,85729.99%$131$3,676
Car Loan$19,58112.69%Gymnast Pays$17,635
Student Loans$22,1212.875%In Deferrment$22,186
CC - Apple**$500Paid off every month$0
Total$61,186$60,412

Updates

I was a little disappointed to see that my overall total has not really gone down since October. But I did add the $2,600 that I now owe my dad; otherwise, it would have showed some movement. I am playing around with my forecast spreadsheet to see how I can balance paying off debt along with getting ahead on some things.

Since this is only a 6 month contract, I am being pretty conservative. My financial goals as of right now for these 6 months are:

  • Pay my mortgage payments through the end of the year.
  • Pay off 2 credit cards – 1 is done as of this post and I think I am going to pay off my second lowest balance as well.
  • Pay off my two personal loans at $500 per month beginning in April. I’ve already touched base with one of them and she’s good with it. Going to reach out to the other and get his okay. (Or better yet, get him to commit to a web build to cancel that debt. We will see.)

None of my part time income is in my forecast as it’s not steady. (Made less than $200 in January.) So for now, that money will just dump into savings to help rebuild my cushion.