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Maybe a New Side Gig?

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We have really been enjoying staying at my sister’s cabin near the Great Lakes. It’s beautiful. It’s peaceful. It’s just lovely.

Or…was lovely…until the plumbing broke.

But, I guess if plumbing is going to break unexpectedly, a good time for it to happen is when a plumber is present. My husband was able to fix the immediate problem but as is common with old vacation cabins in the country, the plumbing problem started a chain reaction of other problems. The flooring needed to be replaced, the cabinets needed to be removed and replaced, the toilet had to be repaired. If you’ve ever lived on spring/well water, you know there is also a complicated system of pumps and water tanks. All of those needed repair. When the dust settled, my husband ended up working 10-hour days for a week and a half. The material costs were $1,200 but if my sister had to hire someone to do the actual repair, it would have easily surpassed $10,000.

She felt terrible of course. We had come to enjoy the lake and he spent most of the time fixing her house, even replacing some broken light fixtures and fixing her mower. She was on the phone talking to her friend, who also has a cabin in the country, explaining what happened and her friend said, ‘Are they headed to Minnesota? I’ve got some things that need fixing badly! Please tell me they are headed north!’ Then, when my husband and sister were at the hardware store, they were approached by a fellow customer and she asked if my husband was a contractor (he wears his construction t-shirts everywhere) and if he could do some repairs at her place. A few days later, a neighbor stopped by saying he had seen my husband carting in lumber and piping and wanted to know if my husband was available to do some work for him.

We debated if he should work the rest of our stay here. There was clearly a need and we could make some decent money but with only a week and a half left at the cabin (and the fact we drove halfway across the country to spend quality time with our kids and my sister) he declined all the requests. It’s always hard for me not to want to find ways to earn extra money but I need to be cognizant that we need to rest sometimes too.

BUT, we decided to consider a trip out next summer just to pick up some extra work and be able to visit my sister.

Bullseye on Financial Goal #3

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I took a few months detour off my current financial goal of paying off my car: Financial Goal #3 of this year. I was distracted by a month long battle with COVID and then buying my house.

But I am back to it and as of this month, the current amount owed on my car is $9,062.37.

Now if you are following along, you know this total should be lower since my minimum payment has been $2,000 per month. But I promise the difference is not my fault. My cousins, who are handling my uncle’s finances these days, lost a check. After a couple of months of waiting for them to cash it and watching them cash more recent payments, I reached. They don’t know where it is.

So we agreed that I would stop payment on that check and then just resend the payment again. I haven’t resent it, so I added it back to balance owed.

Still On Track

That being said, I am still planning to pay off the car by September. In fact, I am so committed to this plan that I have pre-scheduled all the payments! They should receive my final payment on September 15th!!!! Score!

I will then be down to my last debt…my student loans. The countdown is on.

Side note: Gymnast gets his drivers license tomorrow. My last baby is ready for his wings. I knew this was coming and have been budgeting for the increase in insurance…$150ish extra per month. But I’m hoping to counterbalance this increase next month when Princess leaves for college. Since she is not taking a car, I am told I can get a reduction in my insurance. We shall see!