My 26th BD was last week! Yeah! Had dinner with family and presents last night. Got a couple of nice little gifts and a digital camera which I am very excited about because I was one of the few people left still using a camera that takes film. Also got a nice new blanket and some pampered chef items. Oh and the movie The Hangover, lol can not get enough of that movie!
Archive for June, 2010
We had another rummage sale this weekend. Did not sell too much, only about $50.00. But we did not put anything new out in this sale, and this is our 3rd one this summer. So I am still happy that we made something. Once we get paid from my Mom (she keeps everything organized for who sold what) then I am going to put that towards my Maid of Honor expenses. Then we will have $175 towards my $500 MOH goal! Also that is about 15 less books, couple less misc and couple less clothes we have to pack up.
Current Balance $7,315.00
+$5.00 Birthday Money
+$50.00 Discover Cashback Reward
+150.00 Emergency Fund
+200.00 Vacation Fund
-$145.00 Transfer to ROTH IRA
New Balance $7,575.00
Ok, before I had posted about how we got some comps in the mail from Hooters Hotel and Casino in Vegas about a month ago. One of the comps was 1 week night free, 1 weekend night free and 1 night at $9.99. Both my husband and myself got the comp package, so each offer would be times 2. Well we are going in August and staying Monday - Thursday nights, so we would each get 1 night free and 1 night at $9.99, since we are not staying a weekend night we would not get the extra night free. I called today to book our hotel and the reservation desk said we could have all 4 nights we are staying FREE! YEAH! I am pumped! Now if only we could get the flights free...LOL. We are still waiting on those to go down some more....they are still at $99.99 each way and I would really like to see them closer to $59.99.....just have to be patient!
Happy early Father's Day to all the Dads out there!
For FD my bros and I are taking my Dad bowling. We used to go bowling once in awhile when we were little and it was always a lot of fun. They have one of those bowling alleys here where they have the black lights and the music so we are doing that tonight. It's $15 per person for 3 hours of bowling so we will each pay $5 a piece for my Dad and then pay for ourselves of course. I also got my Dad a cake from DQ (where else!?) so am very excited to eat some! I found a $3 coupon for that so whoo hoo for savings!
OK, so basically we have been completely out of control with little trips here and there, going to the casino, and eating out. Since we have no kids, and the mortgage is our only debt we have a hard time with self control cause it is so easy to say "Hey we are only young and childless once, might as well have fun while we can!" Well that attitude is ok once in awhile, but we have really been stuck in a rut with this unneeded spending constantly. We have come up with a plan for summer to not go on anymore random spontaneous trips. We have a trip planned to Vegas in August, that we have planned for and saved for, but until then no more going crazy. Also need to focus much more on savings for now, and less on the mortgage as I recently realized that a large percentage of our savings is earmarked for future vacations and the EF is pretty miniscule from us stupidly using the EF for non EF things. So savings it is! And large it will be!
Well the weekend was super fun. Friday night we drove to a casino about 1/3 of the way to Minneapolis. Unfortunatley we did not win, but we did have a lot of fun, and I did drink way too much! Then Saturday we drove the rest of the way to Minn and checked into our hotel and then drove to the game. I was really worried that the game would be cancelled because it was raining alllll day. But they did play so I sat in the rain for about 5 innings before it stopped. It was a really good game, very close and Braves won! We sat in left field. Then we were driving home and found a White Castle burger place! So we hopped in there to check it out, it was tasty and cheap! Then Sunday's game we sat by 3rd base and it was a blow out for awhile, Braves up 7-0....by the end of the game score was 7-4. So YEAH double win for Braves! Only sad part was my favorite player, Chipper Jones, did not play. I did get to see him do batting practice on Sunday. But was really hoping to see him play since he will probably be retiring within a year or so. Then Sunday we drove home after the game and stopped at a very nice resteraunt on the way home for our "official" anniversary dinner.
All in all a very fabulous, but expenseive weekend. Had to take some out of savings for now and may have to take some more out when out CC statement comes.
Current Balance $7,755.00
-640.00 Minn Trip
+100.00 Anniversary Cruise Fund
+100.00 Vacation Fund
New Balance $7,315.00
I am super excited for this weekend! Next week is our 3 year wedding anniversary (been together 8yrs) and we are celebrating this weekend. We had plans to go to MN and watch my Braves play the Twins. DH decided he wanted to do a little extra surprise.....so instead of leaving Saturday morning....we are leaving Friday after work and DH secretly had booked a night at a casino on the way to MN. So we will stay the night and have some fun, they in the morning drive the rest of the way, then go to a game Saturday night, and another one Sunday afternoon. YEAH! Gonna be an expensive weekend but of course all paid in cash. Can't wait to go celebrate with my baby!
Good news: Every year when DH switches from school year pay to summer time pay there is always a little "lapse" since his pay periods change and we have to go an extra week or two till the first summer paycheck. We know this will happen every year and always have to take money out of savings to cover it. Well last week I got a bonus for $800 that would help bridge that gap, and then today I got another one for $800!! One of them was a special yearly bonus and the other was my performance incentive for 1st Quarter 2010. I will use the first bonus to cover the time without DH's pay, and the 2nd bonus to pay for our trip to MN next week. We are going to watch 2 Braves/Twins games and between the tickets, hotel, gas and food it will be $500+, which will probably be almost exactly the amount of my bonus after taxes are taken out. It will be our anniversary present/my BD present to us! (both are in June).
Emergency Fund $700
Anniversary Cruise $2505
Home Maintanence $290
Vacation 2010 $1945
Laptop $600 - Complete
King Mattress $750 - Complete
Total Regular Savings = $8,110.00
Roth IRA $2750
Rollover IRA $1450
Total Retirement Savings = $23,100.00
Total Savings = $31,210.00
Up $345.00 from last month. Hoping for the summer to just stay around $30K.....no big goals of going up till September.
So the last BL ended on 6-1-10. I lost 2 lbs and got 4th place out of 8 people. Not so good.
The new BL started on 6-2-10. This time there are 9 people, so $90 to win! They are doing it a little different this time. There will be 2 mid term wins, one in July (win $10), one in beginning of August (win $20) and then the finale in beginning of September (win $60)! I have been trying really hard and even drank a DIET pop today! I am super addicted to Moutain Dew so that was a big step for me to voluntarily drink diet. Also had celery and strawberries for snacks. Found out DH's 10 year reunion is in Aug and just 3 days before we go to Vegas......incentive anyone?!
Current Total = $8,065.00
New Total = $7,755.00
So not sure I could figure out the math right now since it has been at least 2 weeks since my last $20K count. We went on vaca for Memorial Day Weekend, so took some out for gas, hotel and entertainment. Also made a transfer from savings to my IRA. Then had regular paycheck deposits as well as interest and even out deposits. So glad I have my internet back so I can keep accurate track again!
Mortgage for June
-$1286.00 Regular Payment
-$631.51 Principle Payment
New Balance $132,370.00
Additional Principle Payments 2010 = $3294.76
Current Position on Mortgage Amortization Schedule....September 2015...5 years and 3 months ahead of schedule!
Whoo hoo this was our biggest principle payment yet!
We paid our reg $500 extra, plus our "mortgage pig" had almost $100 in change in it....AND we took in our aluminum cans and made $38 off of that which we threw at the mortgage too! Party! The next 2 months will be tough to make any extra payments since DH will be on summer pay, but we are hoping to at least pay down to the next $100 mark.