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Archive for August, 2014

Kmart Deals

August 4th, 2014 at 07:38 am

I know I have mentioned on here before how much I do not care for Kmart, but my Mom scored these great deals and since I have been doing most of the selling of items for her on FB she gave me half of her loot!

Covergirl Outlast Nail Polishes (Bought 8)
Regular Price $5.00 Each
-$3.50 Clearance Price Each
-$3.00 Mfr Coupon ($3.00 off 2 Covergirl Polishes)
-$3.00 Mfr Coupon ($3.00 off 2 Covergirl Polishes)
-$3.00 Mfr Coupon ($3.00 off 2 Covergirl Polishes)
-$3.00 Mfr Coupon ($3.00 off 2 Covergirl Polishes)
Final Price = 8 Polishes for FREE!
(Marked $3.00 each for rummage sale)
*ETA - Sold 5 for $3.00 each at 9/4/14 rummage sale
*ETA - Sold 2 for $3.00 each at 5/5/17 rummage sale

*ETA - My Mom got me 5 more polishes at .10 each
5 left to sell

Brita Kids Bottle Water Filtration System (Bought 2)
Regular Price $8.99
-$6.49 Clearance Price
-$2.50 Kmart Coupon Each
Final Price .50 Each!
(Marked $3.00 each for rummage sale)
*ETA - Sold 2 for $3.00 each at 9/4/14 rummage sale
Profit = $5.00

August 2014 Savings Update - First Savings Update on my Own :(

August 4th, 2014 at 05:25 am

*ETA - I realized about a week after I posted this I had neglected to include my HSA! That is $10K more to my networth! So here are the correct numbers. Smile

August 2014 Savings Update

Regular Savings:
Capitol 360 Savings $18,050.00
Local Savings $1,3010.00
HSA $10,800.00
Total Regular Savings = $30,160.00

Retirement Savings:
Roth IRA $9845
Rollover IRA $820
401K $36,875.00
Total Retirement Savings = $47,540.00

Total Savings $66,900.00

Estimated Home Equity $234,000-$168,500 = $65,500.00

Net Worth
Regular Savings $30,160.00
Retirement $47,540.00
Home Equity $65,500.00
Total Net Worth = $143,200.00

Hard and sad to see my numbers drop by 50%, however very happy to say that after losing half of my assets I am still over $100K in networth!

August - I WILL track my spending this month!!

August 1st, 2014 at 07:59 am

I was supposed to track my spending the last 2 months to see how I would be doing budget wise on one income. It was a major fail on my part, just too much going on and not motivated to do it. So here we go, August One, time to do it!

At this time I am not implementing any major changes or concerns, just watching/reducing spending in general is the goal.

I am out of town at least 3 weekends this month so that will make things difficult, but since I know that ahead of time, I will just make sure I am spending less during the week so I have some extra allowance for the weekends. But other then fuel, there shouldn't be too many expenses for me. BF isn't fond of me paying for much of anything even when I try to he usually says no, so most of my food/lodging/drinks will probably be covered as well.
Plus I can pack snacks and drinks to lower the out of town costs as well.

Closing on House is Done

August 1st, 2014 at 06:20 am

Well I made it through the house closing. As expected it was pretty terrible. I made it through nearly all of it before I started crying....but once I started, man did I cry. Ugh how embarrassing. But at least it's done. This morning I dispersed the small amount we had remaining to split in savings. Now the only thing we have left to do is actually file, which I hope to do within the next 2 weeks.

So my loan is a 30 yr ARM. The first 10 years is fixed at 3.625%. After that I can refi or it can adjust up to 1.50% depending on the current rates for ARM.

My new balance is $168,500 (previously $88,700 Frown ). My new payment is $768.45, this does not include Escrow as I pay this on my own. So I will need to make sure I am saving/accounting for that seperatley.

I received a $200 credit to my checking account for setting up automatic payments on the mortgage, so I transferred that to savings right away.

I will not have to make a payment until October 2014, so that gives me 2 months mortgage free which is nice. I will probably just put that money in savings for now until I feel out my expenditures with just one income. I will definitely continue to pay extra on the mortgage every month as I still intend to pay off as soon as I can, but realistically it will not be anywhere close to the kind of payoff I was working on before. Also if things continue to go well with BF who knows where I will be living in the upcoming years as we do not currently live in the same city....not trying to put the carriage before the horse, but just something to think about for the future. If I moved to live with him I would still keep my house as a rental property, so either way the balance going down down down is the plan of action.

Thanks for everyone's support here. This was a big hard piece of the divorce process and I am very glad it is over with. Cheers to happy and healthy days! Smile

$20K Update - Joint Savings is now at $0

August 1st, 2014 at 05:48 am

Joint Savings

Current Balance $6,055.00
-$3025.00 dispersed for my half of savings
-$2000.00 to me to pay for XH's half of mortgage closing costs
-$1030.00 dispersed to XH for his half of savings after he paid his half of closing costs
New Balance = $0

My Savings

Current Balance $13,620.00
+$6.21 ING Interest
+$8.79 Even Out Amount
+$3025.00 Disperse Savings
+$2000.00 XH Closing Costs
+$200.00 Bonus Incentive for setting up autopay on mortgage
+$500.00 Payday
Balance $19,360.00

Local Savings $1310.00
ING Savings $18,050.00
My Total Savings $19,360.00

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