:::: MENU ::::

Posts tagged with: Budget

The End of a Decade plus

by

Hello BAD Community, I apologize for my long absence. I’ve visited often, with the thought to write an update, but never seem to focus on something to write about.  We are fully settled into small town life in Georgia, our lives in Virginia settling into mostly fond memories.  I think Gymnast still struggles the most.  Change is hard for everyone, but I know the kids are resilient and in time will find their groove here.

Not much has changed as far as busy-ness from my last update (you can read it here .) I’m still working all my jobs and continuing to pick up odd jobs (primarily from previous customers – websites, etc.) Since we had gotten rid of EVERYTHING over the last couple of years, it took a little while to fully furnish our home.  The last big purchase was a used washer and dryer with a one year warranty for just at $500 for the set delivered.

It’s been nice to be in our own home again after 2 1/2 years of tiny living and then glamping. I certainly do not miss either of these living spaces, but there are a number of things that linger.  First, we are still very much minimalist.  There is  nothing in our home that is not used every day.  As a result, our approx 1200 square foot home feels large because it is not cluttered.

We spend a great deal of time in one room – our eat in kitchen. I know it’s always called the heart of the home, but I think we take that to the extreme.  We school in there, eat in there, I work in there and we hang out in there doing crafts and playing lots of board games.  So much so that I’ve decided to divide the boys (Sea Cadet and Gymnast) from the bedroom they are sharing and move Sea Cadet into the living room (it has a door) when Sea Cadet returns from his summer away working at summer camp.

The frugal habits that we were forced into because of being completely broke are now in our nature.  While I do grocery shop once a week, I typically spend less than $100 and just purchase fresh produce and milk, etc.  (We buy meat in bulk at Sams Club and keep it in the freezer. The 20lbs of frozen chicken breast, 2 family packs of pork chops, 1 roast and 10 lbs of ground beef I purchased in April have lasted us and we will probably go another month or so before we need to restock.)

We are spending our “free” time visiting small towns around us, free festivals and lots of live music. I say free time loosely as I still work the bulk of every day between my full time job and my part time jobs.  The kids are asking more frequently when I will slow down, but as of now, I haven’t made definitive plans.  I keep thinking/saying the end of the summer, but I’m not certain I will.  I just don’t ever, ever want to go through what we’ve been through again – ever!  The money is nice but even moreso, the security of knowing if one jobs fails, I have the others.

I still have not sat down and come up with a budget…I keep saying I’m going too.  And I am. Soon. I’m continuing to save 10% of all income in a hard to reach account. And I guess  most impressive to myself, is that I’ve continued to control my travel bug.  I think fear more than anything is guiding my financial decisions.  Which I’m sure is not healthy, but right now, it’s working.

I promise to write a more finance oriented post soon.  We are doing well. Sea Cadet leaves this week for the summer (returning to the camp in VA where he will work as a Senior Camp Counselor through August.)  When he returns, he will be attending the local community college under the GA MOWR program for his last year of high school, focused on pursuing an EMS certificate.  Princess continues to work hard at her academics, and is ready for collegiate classes in some subjects, but not old enough to attend the local community college.  I will have to address that soon.  Gymnast continues to train and will move up another level this fall.  The two littles are looking forward to going to camp this month for two weeks.  I am looking forward to that as well, no kids, two weeks.  I may even treat myself to a day off, but have made no plans for that yet.

 


Peeking in to say Hello!

by

After a whirlwind trip to Utah (one full day up; one full day back; only 2 days there), I’m back in Tucson and back at work.

I am eternally grateful that all of these issues are popping up during summer when I have a pretty flexible schedule. Even so, it’s been tough to keep up with work, as I missed 3 days the first week of June (for my grandmother’s funeral), had one solid week back at work, then missed another 3 days last week for my Dad’s house clear out. This week is also a short week, as my Mom flies in on Thursday to help celebrate the girls’ 4th birthday with us this weekend. I’m still treading water, but just barely.

Also, hubs just received word this morning that his grandfather has passed away (if you read this post, you know that this was expected as his grandfather has been on hospice and not doing well). Fortunately (if you can even call these things “fortunate”???), his grandfather specifically requested to be cremated and have no funeral. His only wish was to have his ashes spread on his family land out in Luling, Texas. My husband plans to go back to Texas to be with his mom at that time, but it will be awhile. Basically, my mother-in-law is in the process of buying a home right now (her closing date is set on July 15), and she wants to wait until she’s closed on the house to spread the ashes because she wants my husband to do some flooring work in her new house (remember, hubs is a flooring contractor), and it just makes his life easier to make one trip (for the ashes AND floors at same time) rather than having to make multiple/separate trips. It’s a bit unconventional, but mom-in-law was an only child so there’s no one opposing the plan and it’s what works best for her so I guess that will be happening in about a month. We haven’t decided yet for sure, but I believe the girls and I will stay in Tucson at that time (of course, the family makes a plea for us to go back any chance we get, but – well, work. Like, that thing that pays our bills and keeps a roof over our heads. So, yeah.)

The passing of hubs’ grandfather does have a (very) small monetary benefit to us. He wrote in his will that each of the grandchildren should receive $1,000 from his estate. Hey, every little bit helps, right?

For those who asked about the estate sale, let me give a super quick update.

Basically, it went “okay.” I was so terrified of a potentially huge turnout that I didn’t advertise widely. I only put it on a single Facebook yard sale site (with 3500 members) and advertised it as being Thursday night and Friday morning. I was able to have a friend babysit the girls on Thursday night, but it was for naught, as only 4 people came that evening. On Friday I was able to convince a cousin to come help us in exchange for some free goods (being that EVERYTHING that didn’t sell was literally going to be thrown away or donated anyway). All day Friday was pretty steady (from 7am-9pm), but it was never crazy. As the day wore on I kept posting reductions in prices on items, etc. By the end of the day we’d barely made $600. To be fair, a lot of the big/pricey items had been moved when my Dad moved, but this low number also reflects the fact that we were practically giving items away (again – we didn’t have the luxury of time on our side, so we couldn’t be choosy or hold out for better offers).

That being said, by 4pm on Friday we were still overwhelmed with the amount of items still laying around. We ended up calling a local company (Everything Goez) and paid them $500 to clear all the remaining property items. So in the end we had made just a teeny tiny profit of about $100. Next-to-nothing.

That being said, the #1 objective of our trip to Utah was to clear out the property. When I got there and realized how much remained, I was worried about what would happen. My sister and I were on the phone a lot and talking about additional trips, etc. I didn’t feel good about that (plus don’t have time for extra trips and more time off work), so in the end I thought this was the best possible solution. My siblings aren’t thrilled with the lack of money made at the estate sale, but I think we all realize that the alternative would have been even more costly (again, given the time off work, additional travel expenses, and longer time that this house is sitting vacant and costing us money). So in the end, paying to have the place cleared was the right move for us. I went with one goal (= clear out property), and I accomplished that goal (albeit, only by paying people to help us).

The house, garage, and yard are all now completely empty and ready for a professional cleaning and to be placed on the market. I met with a property management company while in town and got some pretty bad news about rental prices. I’ve since then called to get another quote (actually 3 in total), and it looks like we might not be able to make as much from renting as we’d originally thought. That means (fingers crossed), I may be able to talk the siblings into just selling the property, as I’ve wanted from the beginning. There’s not a lot of equity in the property, but enough that we wouldn’t lose any money. Plus, I literally had 3 separate groups of people offer to buy the house while they were going through and looking at items to purchase. One family (across-the-street neighbors) offered to pay cash with a quick close. We have a sibling conference call planned this week so we’ll see what happens (for newer readers, my brother & sister are both proponents of keeping it as a rental. I’m the only one in favor of selling, but I respect the majority vote so there are no hard feelings one way or another. I just don’t want to deal with this out-of-state property anymore).

So that’s about it. I have to apologize for my lack of numbers posts lately. I’ve still had it in the back of my mind that I need to do a budget update from last month (May), but by the time I have a chance to write it we’ll likely be ready for a June budget update. With all the balls I’m juggling I just have to do what I can and that may mean a missed numbers post here or there.

That being said, June should be a good month for us. My full-time job paycheck is higher because I have fewer deductions (I work at a university where most are on 9-month contracts, so during the Spring semester the deductions are higher to account for summer months. But since I’m actually working over the summer, too, I get my full without those deductions since they were essentially “pre-paid”). My part-time job paycheck is higher, too (since I only get paid in 2 lump sums:  June and July. Though that means I get no paycheck at all in May or August).

I’ve really got to get our emergency fund back up after raiding it last month (which I mention here), coupled with the fact that we were hoping to buy a house soon! For those wondering, we haven’t even started looking yet! With all the health crises and emergencies we’ve been experiencing, we’ve talked about the possibility of pushing our house hunt back into the Fall (we’d always planned to start hunting this summer). We could start in late summer, though, so that’s a possibility too. We’ve got to save more for our downpayment and need to get a bit beefier safety net (in terms of the EF). So that’s what’s going on with that. I’m still searching Zillow all the time and grabbing flyers from desirable areas whenever I see them – just for reference (and for fun). But no official looking yet. I’ll keep you posted on that.

I hope you all have a great week! Talk to you soon!

 


Pages:1234567...23