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Archive for April, 2016

$20K Update - Property Management/Spring Cleaning Update

April 28th, 2016 at 06:41 am

Yikes I haven't posted in ten days!

Things are good here, busy as always! There were 2 empty apts. at my parents rental so we have been working hard advertising, taking phone calls and showing the units. We now have someone moving into one of them as of May 1, and the other one as soon as it is ready as they are still finishing up some repairs and putting in new flooring. It has been quite a process so I am glad it is nearly done and everyone will be settled in soon.

MO and I went to my old house (rental #1) and did some serious yard work last weekend. Raking up leaves for hoouurrsss. The lawn there needs some serious TLC, lots of bare spots and we were hoping to put some lawn seed down last weekend, but it was too windy, and now we are at home an hr away, but besides that it has been rainy, windy and gloomy everyday. Hopefully we can get working on that more soon.

During the week we worked on getting our garage organized a little bit. I still have a lot of boxes in there from the move that I need to go through. Frown But we at least got a lot of garbage taken out of there and some general organization started. Goal for next week will be to go through a chunk of the boxes and to get the old fridge washed out (FINALLY!) and up for sale.

We also bought a riding lawn mower! We knew we would need one as our yard at our new home is very large, and also for doing our Property Management work at my parents rental. We were lucky enough to find one on our local FB Sales Page for only $350!! What a steal! Of course it is used, but my husband looked up the same mower on line, and just the bins for the mower cost $300 new! So we are very excited about getting that deal! We are also looking to buy a tiller as I want to have a garden, that may be pushed back to next year since it is almost May now and we never seem to stop being busy, but I think it would be good for us to own a tiller as we have lots of properties/projects.

This savings update isn't entirely accurate as we have been siphoning off funds from savings to the Appliances Loan so we can pay it off quickly and be done with that. I will update savings with those withdrawals after next weekend. Next weekend we are going to a Garth Brooks concert and may be taking money out of savings for that as well, so then we will have a more accurate picture of where we stand with savings, and hopefully have the Appliances Loan gone!

Current Balance $7,570.00
+$25.00 My Payday to Appliances Loan Payoff
+$25.00 My Payday to Our Savings
+$25.00 MO Payday to Our Savings
+$65.00 Coin
+$600.00 Rent from Rental #1
Balance $8,310.00

Local Savings $1945.00
GC Savings $4,825.00
Capital 360 Savings (US) $180.00
Capital 360 Savings (Appliances Payback Account)$105.00
Capital 360 Savings (Rental Deposit Account) $1255.00
Total Savings = $8,310.00

52 Week Challenge
2016 - Week 13 $66 (total) + $12 +$13 (deposit)=$91
(Weeks 46-52 are also paid already $343)

$20k Update after paying off Mom Loan and Vacation

April 16th, 2016 at 11:31 am

Here is the damage to savings after paying off my Mom and going on vaca. We were hoping to have about $2K left after both withdrawls, so we are super happy to still be over $7K!

I am still waiting to be paid from a March Madness Pool, so should have another $50 soon, and we will also get reimbursed $160 for concert tickets we paid for my cousin in a few weeks too. Plus our change cup is overflowing from vacation so we will take that in on Monday. Just keep chipping away!


Current Balance $19,470.00
+$25.00 MO Payday to Our Savings
-$12,700.00 Payoff Mom Loan
-$3,000.00 Money for Vacation
+$3,350.00 Brought home from Vacation
+$425.00 Feb/March Hrs for working on rentals
Balance $7,570.00

Local Savings $1880.00
GC Savings $4,225.00
Capital 360 Savings (US) $130.00
Capital 360 Savings (Mom Payback Account)$80.00
Capital 360 Savings (Rental Deposit Account) $1255.00
Total Savings = $7,570.00


52 Week Challenge
2016 - Week 13 $66 (total) + $12 +$13 (deposit)=$91
(Weeks 46-52 are also paid already $343)

Debt Update - 4/15/16 - PAID OFF MOM LOAN!!

April 16th, 2016 at 11:11 am

We are home from vacation.....and WE PAID OFF THE MOM LOAN!!!! WHOOO HOOO! We gave my Mom the check to pay her off on Sunday night and then left for vaca Monday evening. She was definitely super surprised when we gave her the check! The trip was a great way to reward ourselves for finishing the loan! It was a $15K loan for 4 years and we paid it off in only 9 months. So proud of us for working hard and being aggressive with paying that off!

Our next goal will be to pay off the Appliances. They are at 0% until June 2017, but it is our littlest debt by $10K, so we just want to get it done and out of the way. We have enough in savings to pay it off now, but we have to buy a riding lawn mower (our new house has a giant front and backyard and would take about 3-4hrs to mow by hand, plus we will be mowing at my parents rental since we are the property managers now) soon, so we are waiting to see what that will run us before we take a big chunk out of savings. We also have a cruise in September that we have to pay for in June so we don't want to drain savings again just yet. In the meantime, I have stopped the $300 auto-payments that we were making on the Mom Loan, and set up a new $300 auto-payment to Best Buy for the Appliances. So the Appliances snowball is now at $350 per month. I also changed the name of our Cap 360 Savings account from Mom Loan Payoff to Appliances Payoff. We will definitely be paying that off before the end of the year.


Celebrations for this update:
-Mom Loan is PAID OFF!!!
-Total debt went down $13,549.23 in the last 2 weeks!
-Total debt paid off passed $135K!!
-My Mortgage went under the next $1000 mark!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Mom Loan $0
Best Buy $2750.00
Store Loan $12,121.10
HELOC $28,082.02
MO Mortgage $87,540.20
My Mortgage $156,900.00
Our Mortgage $254,312.81
Total = $541,706.13

Down $13,549.23 in the last 2 weeks!!

Starting total was $587,351.27
$45,645.14 paid off since 6/19/15 (including downpayment on house).

We have $105.00 in a savings account to pay off the appliances, so the amount we still owe that is $2645.00.

Home from vacation!

April 15th, 2016 at 05:18 pm

We are back from Laughlin/Vegas! We had a great trip, the weather was wonderful the entire time (high 70's/low 80's), we had some delicious food, lots of time together and lots of fun gambling, relaxing and exploring!

We were able to use comps, coupons, and gift cards for most of our expenses so we spent less then $50 for food the whole 5 days we were gone.

We didn't win gambling, but our goal was to bring home 50% of what we brought and we were able to bring home $1000 more then our goal, so that was great!

I am glad to be home on a Friday so that we have this weekend home to recoup before having to go back to work, and I got the whole house clean before we left, so we just need to unpack the suitcases and do laundry and catch up on sleep! I am also hoping to get our garage cleaned out so it is functional and ready for a rummage sale.

Working on a debt update and $20K Savings update this evening!

Payday, a funeral and time for vaca!

April 8th, 2016 at 12:32 pm

Today is payday and my last day of work before vacation! We leave Monday! Sadly MO's step-grandma passed away a few days ago so we will have a funeral tomorrow. MO works all weekend other then the funeral and I will be finishing up cleaning the house (almost done! I love having a clean house when you leave for vaca to come home to everything all nice and clean!) and also finishing up the packing. It's going to be a busy few days, I am so on vacation mode already! I will post the GIANT withdrawls probably Sunday for paying off the Mom Loan and vaca monies. I want a few more days where I'm not broke...lol!

Current Balance $19,370.00
+$25.00 My Payday to Our Savings
+$25.00 My Payday to Appliances Payoff
+$50.00 March Madness Win
Balance $19,470.00

Local Savings $1880.00
GC Savings $16,150.00
Capital 360 Savings (US) $105.00
Capital 360 Savings (Mom Payback Account)$80.00
Capital 360 Savings (Rental Deposit Account) $1255.00
Total Savings = $19,470.00

52 Week Challenge
2015 - Week 52 = $1378
2016 - Week 13 $66 (total) + $12 +$13 (deposit)=$91
(Weeks 46-52 are also paid already $343)

Getting ready for vacation! Comps and Giftcards!

April 6th, 2016 at 06:14 am

We leave for vacation in 5 days! I am so excited!!

In standard Banker Gurl style I am doing what I can to get free/discounted items lined up to spend as little as possible on our trip.

We are flying to Laughlin, NV and while we are there we will take a rental car to Vegas for one night and then drive back to Laughlin the next day and fly home. Total trip is 5 days.

*Free flights for both of us to Laughlin
*Free rooms at Harrah's while we are in Laughlin
*$15 GC for Starbucks (Gift)
*$25 GC for Olive Garden (Gift, using this for lunch in the city we are flying out of before we get on the plane)
*$25 GC for Avis Rental Car (Redeemed from my Citi Card Rewards)
*$50 GC for Bubba Gump Shrimp (Redeemed from my Discover Rewards)
*$50 GC for Outback Steakhouse (Redeemed from my Discover Rewards)
*Free Rooms at The D while we are in Vegas
*Comped food at several places in addition to the GCs we are bringing, so we shouldn't have to spend much of anything on food while we are there. I am shooting for under $100 for the whole 5 days.
*$445 in free slot play between the different casinos!

So between comps and GCs we are bringing, the only thing we should have to pay for is possibly a small amount of food, the balance on the rental car (about $50), tips and gambling.

Our goal for our gambling money will be to bring home 50% of what we take (we are gamblers and we are not delusional...lol), but hoping to keep up our winning streak and come home ahead again!!

$20K Update - Another Casino Win!!

April 3rd, 2016 at 04:25 pm

MO and I both have been ITCHING for vacation and made an impromptu trip to the casino Saturday night. Our room was comped so no cost there which was nice. I wasn't doing too great, but in the end came out $100 ahead! MO couldn't stop winning again and ended up $560 ahead! So $660 ahead again! I gave the $60 to MO for pocket money and put the $600 into savings. We also got rent, a small work bonus for MO, took in our piggy bank, and moved money around preparing for vacation and paying off the Mom Loan.

Things are looking great to payoff Mom, go on vaca, and still have a couple thousand left for us to start over when we get home!!


Current Balance $17,275.00
+$25.00 MO Payday to Our Savings
+$50.00 Coin
+$400.00 MO Bonus
+$600.00 Rent from Rental #2
+$400.00 Rent from basement
+$600.00 Casino Winning!
+$5.88 Cap 360 Interest
+$4.12 Even Out Amount
+.12 GC Savings Interest
+$4.88 Even Out Amount
+$5.00 Added Interest on our Rental Deposit Account
Balance $19,370.00

Local Savings $1830.00
GC Savings $16,150.00
Capital 360 Savings (US) $80.00
Capital 360 Savings (Mom Payback Account)$55.00
Capital 360 Savings (Rental Deposit Account) $1255.00
Total Savings = $19,370.00

52 Week Challenge
2015 - Week 52 = $1378
2016 - Week 13 $66 (total) + $12 +$13 (deposit)=$91
(Weeks 46-52 are also paid already $343)

Debt Update - 4/1/16

April 3rd, 2016 at 04:04 pm

Update for 4/1/16.

Not too exciting of an update here, just a payment on the Store Loan and what we hope to be our LAST regular payment on the Mom Loan! We are hoping to pay it off in 10 days.....as of right now we have about a $600 leeway to pay if off which is awesome since this was a MAJOR stretch goal! So fingers crossed that nothing crazy happens in the next 10 days. We did have a minor plumbing emergency earlier this week, but I am sure the bill for that won't be here for awhile (providers here bill very behind for some reason). So here is the update and I cannot wait for vaca and our next update!!!


this last 2 weeks we paid off $368.45!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $2800.00
Loan from Mom $12,719.77
Store Loan $12,232.89
HELOC $28,082.02
MO Mortgage $87,540.20
My Mortgage $157,200.00
Our Mortgage $254,680.48
Total = $555,255.36

Down $368.45 in the last 2 weeks!!

Starting total was $587,351.27
$32,095.91 paid off since 6/19/15 (including downpayment on house).

We have $4250.00 in a savings account to pay off my Mom, so the amount we still owe her is $8,469.77.