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October Budget Numbers

October 5th, 2016 at 09:51 pm

October budgeted amounts:

Expenses
1452.29 mortgage
128.47 water (two months)
40.72 garbage
200 spending
92.71 electric
16.40 Natural Gas
43.60 utilities savings when under budget
95.88 cell bills
25 ameritrade
300 groceries
400 house repairs/emergency savings
80 house cleaning
65 gardener
140 auto fuel
100 auto insurance
350 car savings
100 car repairs savings
168.63 Cable/internet
14.95 book on tape subscription
25 college savings
9 gym dues
15 health insurance savings
50.02 vacation savings
50.01 glasses/contacts savings
30 clothing savings
20 personal care (make up, eyebrows, etc.)
519 debt
200 student loan savings (deferred while in school)
100 gifts savings

407 IRA savings (25% October Housesit income)
163 Business savings (10% biz income)
81.45 Auto savings (5% biz income)
81.45 Vacation savings (5% biz income)

Income
4095 Net income full time job
66 Secret shops payments
1629 House sitting income October (870 to savings and additional savings listed above
700 rent

To late for my list?

September 23rd, 2016 at 11:59 am

My list:
1. I’m 42. I am single and have no children. I am not interested in marriage or having kids but I do date frequently and would like to be back in a long term relationship.
2. I studied for a career that would take me living around the world but ended up in a career (that I love) but I live 30 miles from where I grew up! (Working on the other career after the election.)
3. I am the youngest of 4 girls raised by a single mom and that severely impacted how I look at money. We never had any growing up.
4. I wish I would have waited for grad school until a couple more years out of college to save money. I loved living in Vermont but am still paying off the school loans (and will be for a while.)
5. I was a Peace Corps volunteer who was sent home after a bus accident and injury. I don’t regret coming home – I can walk ok and am not permanently disabled but I am sad I didn’t finish my service. I broke most of the bones in my right foot and was on crutches and PT for almost 2 years. When I am tired or it is cold I have a slight limp or rotate my toes in. And you wouldn’t notice unless I pointed it out to you.
6. I bought a house and have changes I’d like to make but only if I can pay out of pocket for them. Saving for new flooring right now for the LR/DR and my office to start.
7. I love to travel and have been to almost all the European countries except the UK and Ireland. I am saving for a trip to go there but it will be several more years (maybe 4-5) before I can afford to go.
8. I am a manager and can retire from the state in 13 years at 55 with a pension. Realistically that won’t happen because I want the house paid off before I retire. My goal is 60 years old. I would like to promote at least one more time. I save each raise we receive into my 401k and 457. I dream about being able to max out both someday.
9. I love music, reading, movies and TV, game nights, books on tape (for walking client’s dogs and cats). I hate to write and work in a field where that is my primary responsibility.
10. I run a small business on the side doing house and pet sitting. I love it and hope to do it into retirement. I think it would be a great job when I retire.
11. I have a room mate who is one of my closest friends. She drives me crazy sometimes but I am grateful for her friendship and her rent!
12. I loved the Gilmore Girls show and can’t wait for the new show on Netflix. I don’t have Netflix but can watch it at a house sitting clients house. I hope she schedules something for the week of Thanksgiving when they are released!
13. I have tracked my spending for the past 12 years and can provide an accounting for how I spent about 95% of my income.
14. I have 9 nieces and nephews. One niece and nephew are married and I have 5 great nieces and nephews between them.
15. I joined SA in 2005 but blog rarely. I want to make a better commitment moving forward. I do read almost daily everyone else’s entries.
16. I have no house maintenance skills other than painting and changing light bulbs. I am scared to try something for fear of breaking something and causing a huge repair bill. I need to work toward overcoming this fear.
17. I am not a great cook and wish to get better and experiment but cooking for one (even to have left overs) sucks. I just purchased the Joy of Cooking and Mastering the Art of French Cooking so let’s see how it goes!
18. One of my house sitting clients has three cats that joins the dog and I on our walks. Yes, the cats walk through the neighborhoods with us twice a day. It cracks everyone up when they see us.
19. My favorite TV show is “the West Wing”. I watch a few episodes each year – usually when home sick. I loved the pace, the writing, the actors, everything about it. And I already love one new TV show this fall, “This is Us”. It looks fabulous. I’ve not liked anything else yet. I limit my TV watching to 12-15 hours a week – including the nightly news. I have 140+ hours of TV shows recorded I may never watch.
20. I loved reading everyone else’s lists!

Quick Updates

September 6th, 2016 at 09:37 pm

No spend day yesterday and today. Unfortunately Sunday was not as I had to buy a new printer when my suddenly died this week. It just won't turn on. frustrating.

Saturday was grocery shopping and errands. Friday I took off work to enjoy a nice day off. I did spend a little money that evening at a friends magazine party for totes.

All bills paid and am waiting for rent to be paid from my renter. She was away this weekend.

Refinanced my house for a much lower interest rate. I just received the escrow account check from my previous bank and that is going back in the bank since I had to take out just about that amount for the new escrow account.

Received my latest payment from the secret shopping and it more than paid the printer.

Looking forward to the weekend - although I am house sitting and dropping in for several clients.

February Quick Entry catch up

February 9th, 2016 at 08:56 am

Feb 8 no spend day.
Feb 7 completed 2 grocery shops.
Feb 6 cancelled plans picked up last minutes items for dinner.
Feb 5 overnight housesit - did not go to movies as originally planned - friends illness. I did buy lunch today though.

NSD tally February: 5/9

Quick Entry: Feb 4

February 4th, 2016 at 02:12 pm

Today is going to be a no spend day - sort of.

I do owe my colleague for lunch today. We are working on a major project and I'd planned to go home for lunch when she offered to pick something up for us at Chipotle to save some time. So tomorrow I will pay her for lunch today since I haven't picked up my allowance for February from the bank.

Tomorrow my housemate and I are going the dinner/movie place. When I bought some Christmas gifts I received 6 movie passes for free movies.

I gave one set to my sister and her fiancé in addition to the gifts they received. I need to use 4 of them by February 11. We will use two tomorrow (and I will get popcorn and a soda) and then maybe use the other two on Monday with a friend of mine so a little bit of planned spending all coming from my allowance.

I need to do two grocery shops this weekend on Sunday - perfect for a few things and a super bowl treat. I only sort of watch and plan to finish a crochet project on Sunday.

Quick Entry: Feb 3

February 3rd, 2016 at 08:12 pm

3rd no spend day in a row!

I did have lunch out but it was with my boss and she treated. It was our holiday lunch that was postponed.

Quick Entry: February 2

February 2nd, 2016 at 05:38 pm

I spent no money today. Yay!

I really wanted lunch out since the morning was bad at work but i stuck with my plan and dropped off my water bill payment and went home to grab something.

I am sitting for a client until Saturday so my first client visit of February. I have a request for a few days at the end of february and march so with my current schedules i may make my montly goal of $600.

Two, two, Two no spend days! (Said in the voice of the Count from Sesame Street.)

quick entry Feb 1

February 1st, 2016 at 08:29 pm

Was a no spend day in terms of groceries, gas or sending fun money which is the money I track for no spend days.

I ate at home - and I took the day off work for a migraine that started yesterday.

I did pay some bills but that is planned spending I can't get away from - mortgage, gas, electric, etc.

Some 2016 goals

January 3rd, 2016 at 08:39 pm

It has been a while since I last wrote. I did update my side bar goals for 2016 but have been thinking about what I would like to do this year.

I managed to save $2100 for my IRA in 2015. I hope to make it $3000 in 2016.

I have enjoyed the mystery shopping for the grocery stores I did the past few months. The surveys take 5-10 minutes and the payment is only $5 but the reimbursements range from $17-20. That is a nice bonus for something I have to do anyway. My goal is to earn $150/month from reimbursements/survey payments in 2016. I already have $132 scheduled and it is only the 3rd. I completed three already, have four more scheduled and that is only through the 16th.

For each shop we need to buy something large under the basket: a case of water, fire wood, paper towels, TP, etc. When I buy something under the cart I plan to donate it to the women's domestic violence shelter in my small hometown. Every little bit helps and if I can donate 4-6 packages of paper towels and TP each month it is great.

Income from house sitting goal: $10,000 this year.
25% to IRA,
10% business expenses
15% debt payments
50% savings/maintenance

Rent collected goal:
House maintenance savings: $250
debt payments: $450

Total utility payments:
Electricity/natural gas: under $500/year for each.
I am not sure what else I am planning for the year.

I need to figure out what house items I want to accomplish this year: flooring, painting, the hard water whole house filter, a whole house fan? what else?
I need to think about what else I should make as a goal.

End of month update

June 28th, 2015 at 04:24 pm

Well I think it is time for an update. I updated the sidebar with current information.

The housemate who was going to move in in May is looking for a new job and I did not have her move in. I know she will eventually move away from the area and I don’t want to deal with finding a new housemate quickly. Also, I think it would be better to rent to someone who is not a friend already. My attorney reviewed the lease and I should have it back later this week. I want everything on the lease so there are no problems or questions.

Business has been good the past few months. Already in six months, I have made more than all of last year. With current scheduled bookings through the end of the year I am $1,000 over last year. And this doesn’t include all the bookings that occur without planning in advance. I hope to make $8k this year which may not seem like a lot now but it would be nice to make close to what I made in my best year 6 years ago before the fall of the economy.

I am on vacation this week. It feels good to have some time off! I plan to relax but also get some more boxes unpacked or repacked as necessary. I am not putting out any décor items until the flooring is replaced and painting is done early next year. I can live with plain furniture for a while. I have made a few trips to goodwill so far and I know there will be some more in my future.

This week I also have appointments for some estimates for a whole house fan and a repair person is coming out to look at my treadmill to repair it from the move. I really want my treadmill fixed and really want to find out about a whole house fan. The area where my house sits gets a nice breeze many days during the summer but not enough to cool down the house even with all the windows open. I really dislike running the AC all the time in the summer not to mention the cost. I know it would take some time to earn back the cost of the installation but I need a new cut out into the attic anyway and they will do that as part of the install. I am hoping to use the existing attic entrance in the laundry room for the fan but will see what they say.

I have been mystery shopping for the past couple of months. Sometimes it is for grocery stores or for gas station visits with reimbursements for purchases. They also pay for the information that is provided so all the extra little income for something I already need to buy is great! I am tracking the income separately from the money reimbursed. I use the same reimbursed amount each month for future shops while saving the fees paid for the first house project I want to do: rain barrels installed.

I am still collecting shower water in the morning before it gets hot for my veggie plants. I use the shower or bath water for the roses or other plants in the back yard. I think at some point they are going to tell us to stop watering. I am already limiting the watering but want to keep things green otherwise they are a fire hazard.

My nephew will be coming later this week to help me measure the two spare rooms for renting purposes. One is my office currently but if I ever needed it, I’d like to know the dimensions.

Water update

April 7th, 2015 at 08:48 pm

So this morning I looked out my window and found that both the empty large planters were full of water. Just as I was leaving the garage I saw a steady stream of water coming off the porch. I quickly stuck an extra empty and clean kitchen plastic garbage can under the stream and it was filled up by the time I got home. It was filled a quarter of the way before I got out of the driveway.

Oh, how I wish I'd gotten the rain barrels in. They would be mostly if not fully filled today alone!

This water should last me a couple weeks of watering the veggies and plants in the planters. Everything here got soaked which means no worry about watering while the weather stays cool. And they are saying another storm may come through Saturday.

House Utility bills, water, and other updates

April 6th, 2015 at 06:52 pm

My monthly utility bills have been less than my estimates since I moved in Feb 12. While I estimate the bills to be $225 each month I have spent less than a third of that amount each month. I save the amount not used and have over $400 in the account already.

Since the property has not been transferred with the county I have not received a sewer bill yet. Based on their estimates I've been saving $25 a month. I know the bill will have 3-4 months once it is processed.

Any savings that I came in under my estimate has been swept into a utility savings account for those months when the bills are higher due to extreme heat or cold.

Luckily, every bedroom and the family room has ceiling fans which are much cheaper to run than the AC in summer. I am partial to not using the AC unless it is really uncomfortable or I can't sleep (although the fan in the master is right above my bed like the one I put in my apartment.)

Once the account has about $1200 I will earmark the left over amount to my emergency fund.

~~

Rain is expected and they estimate .5 to 1 inch of rain in the next 24 hours and rain possible until Wednesday. I planted 6 planters on Friday with 2 kinds of tomatoes, cantaloupe, zucchini, 3 gerbera daisy plants, and something else.

I also planted basil, rosemary and marigolds for bug and mosquito repellant. I want to plant citronella as well and another few marigolds. But I can't find any citronella plants or seeds.

I didn't get the rain barrels put in yet and I am so sad I didn't with this rain. It could have filled several them at least half way.

I jerry-rigged some plastic sheeting over a laundry drying rack and directed it into two planters I didn't use that have no holes so I hope to get some water to use this week. I got about an inch in the empty planters yesterday from the little storm that passed over. Every little bit helps!

I have been collecting water in the morning while waiting for the water to get hot and using that for the plants that need it that the sprinklers are not hitting very well. The grass is not getting enough water (since I only water for 5 minutes twice a week) but since I suspect at some point this summer they are going to suspend grass watering I am not that worried. I hope to keep the rose bushes and other bushes in the back yard and the few plants in front going with water that would have gone down the drain. I plan to put that water into the barrels once they are in.

~~

My roommate is ready to move in at the end of this month. I will be house sitting for the first 10 days she will be here as I have a two week sit end of April-May. This means that she can enjoy the house a bit alone after getting out of a bad roommate situation.

~~

I have completed my tax paperwork for Jan-March (for 2016 taxes) and photocopied all the receipts for my records. I have a couple of receipts to do tonight for the plants I purchased this past weekend.

~~
I am expecting about $710 in payments from house and pet sitting the past 6 weeks. I have little business this month but am very busy toward the end of the month and then through the middle of June.

I need to get moving on hiring some independent contractors for coverage if there is an emergency I need to attend to for the state. I have scheduled a meeting with one of the largest pet sitting companies in the area to ask for her advice. She contacted me several months ago and offered to mentor me after one of her clients used me when she could not accommodate them and got rave reviews for my service. She is a former past president of one of the professional organizations I belong to. As she said, there is more than enough business for us all here in the area. I am grateful she will meet and give me some contracting advice and I am such a small business I can't imagine I impact her at all.

Little news updates and planning

March 27th, 2015 at 11:32 am

Roommate moves in beginning of May. She will pay rent that I will use for house maintenance things and saving for future projects. Eventually once the big projects go away (flooring, painting inside and out) it will be used for savings and extra payments to mortgage.

I have interviewed several gardeners and house cleaners. I am never home and they are both a write off with a roommate so I am investigating hiring one of each. The cleaner is especially important because I will never have the argument about whose turn it is to clean ever again! (Last time I had a roommate was in college so this should be interesting!

Gas prices went up a dollar a gallon in a matter of weeks ($2.09 to $3.09) but it is slowly coming down. I paid $2.87 a couple days ago.

I have completed the worksheets I needed to build for my accountant to track household expenses (utilities, maintenance, toilet paper, laundry soap, dryer sheets, etc) for completing 2015 taxes next year. I already photo copied the receipts because receipt ink disappears in a matter of months and I want a more permanent record of expenses. I filled in the worksheet for the house items purchased but I need to add in the utility costs being careful not to add in the last payments for the apartment utilities.

Last summer my best friend bought us tickets to see Maroon 5. The concert is in Tuesday and we are so excited. We have not seen a concert together since we were 19 – 20 years ago! We are staying overnight in the town where the concert is and driving back the next day. We are excited to spend time together sans kids and hubby (hers). This will be the first time in a long time!

I updated my side bar with some plans I would like to see come to fruition over the next few years.

Lots of Little updates

March 6th, 2015 at 10:15 am

I saw Dave Ramsey at a local church last week. It was all common sense stuff and I was surprised at the number of people taking frantic notes.

It was a free ticket that dropped in my lap so I thought, ok, let's go. I have to say he is a good speaker and very funny. He spoke on his first couple of steps then someone else came out for a few steps then Ramsey closed it up. It started with a crowd warm up at 630, he came on at 7 and it ended at 10 very good time management with a 30 minute break in the middle. I chatted with my friend who gave me the ticket and her friend a financial planner. He was surprised that I said I was not taking social security until 70. I want to retire from my state job between 55 and 60 (depends upon paying off my new house) and then just to the house and pet sitting business and really build that up.


~~~~~~~~~~~~~~

On that note I need to find a couple of trustworthy people who I can use as independent contractors for the business. My work is really cracking down on the "if there is an emergency you could be sent anywhere to support emergency ops" track. That means if I had a pet sit or drop in care going on I need to have reliable back up. It really is identifying a continuity of ops plan for the business. I have one person who said yes. He is married to a good friend and is retired so the option of earning $20 a day to put into his golfing account (he gets an allowance that allows one game a week as part of his retirement planning) sounded good to him. So I need to draw up papers for him and get his insurance paid so I can use him. I can use him less than 30 days a year and he is covered but I'd like to see him covered all the time. It's a minor expense to me.

~~~~~~

Hot water heater is in and I love having the hot water! Waiting for the permit papers from the company so I can arrange a visit with the city for the inspection. The warranty covered everything except the pieces that brought it up to the newer code so I had an out of pocket expense of about $600. Not nearly as bad as it could have been.

~~~~~~~~~~~~~~~~~

The filter on the shower is wonderful hair and body much less dry. I recommend one highly! I will keep using this one and not explore other options until it stops working. I also bought the replacement filter part. They estimate 6 months of use but I asked the plumber putting in the hot water heater and he said the water hardness means it may only last 4-5 depending on usage. As a singleton I think it may last 6 months especially with the house sitting starting to heat up. The filter is about $10. So I added that to my twice a year budget.

I will also buy one for the second bathroom later this year once I have selected a room mate. So that will be an outlay of $22 plus a twice a year replace filter as well. SO that will go into my yearly maintenance listing as well. I will watch for them to go on sale if possible.

~~~~~~~~~~

Roommate: I had one person who said she wanted to move in then got opportunities to apply for jobs 2 hours north and 3 hours south so I will be waiting a few weeks to see what happens. I want a room mate for sure especially after speaking to my accountant about it.

Of course I would declare the income - there is no question about that - but I did not know there were so many write offs to having a room mate to include the painting I did as I moved in, carpet cleaning, utilities, maintenance of the home, even yard work and a cleaning person a couple times a month, to writing off a percentage of the mortgage. It would help me with more retirement savings and being able to pay off the house faster. So....I will talk to my friend later next week and come up with a game plan.

~~~~~~~~
Got my taxes done and a week later had my refunds. They will go to pay off the items I bought for the house (refrigerator, washer, dryer and the hot water heater costs) so I don't have to take anything out of savings for those costs.

~~~~~~~~~~~~~

I am going to restart swagbucks in the evenings when I am relaxing or house sitting. I have almost $50 in points to cash in. I am going to do cards to home depot as I have been looking up garden hoses and the one I want is there. As I need something for the house I hope to earn points to pay for it. I also have almost $100 in pay pal from swagbucks that I never used and with my health insurance rewards programs I have another $40 coming so more than enough for hoses and the two light fixtures I want to replace in the hall way. Little things that will make the house more mine. And purchases that will be made through the swagbucks shopping to earn more points if possible.

And I will also begin savings points for a table, chairs, and umbrella for the patio but I will also use CC rewards points for that purchase when I make it.

~~~~~~

I have an overnight for house sitting ($60 for Fri-Sat) and a drop in Fri-possibly Sat morning ($30-48). A new client asked me to housesit for her 2 week vacation at the end of April-May and I am already booking into October so I hope this year breaks 2014 income. I am slowly rebuilding from the recession that hit so many of my clients hard with no travel. I am averaging about $400 a month this year. I would like to see that increase to $1000-1200 a month. That would mean $200 to maintenance account for the house, $500 to savings for future IRA payments (I pay all at once in January to my IRA so I am saving for 2017-18 IRA payments this year). and $300-500 for savings or extra payments to house to pay off faster. I already know if I pay an extra $700 a month I am paid off in 15 years and $400 means 18-20 years instead of 30. No more than 20 is my goal so extra income and rent would be helpful. Rent would go to building up an emergency fund of about $30k (that is where I feel comfortable) and then to paying off the house faster.

Shower Head Filter for Hard Water

February 24th, 2015 at 09:10 pm

The location where I bought my house has very hard water. My hair comes out like straw even when I use a weekly deep conditioner daily. My skin is always very dry and soaks up lotion.

I finally did some research the past few days looking for a water softener or filter I could use just on the shower head. Purchasing a whole house softener is not on the table right now.

I found online at Home Depot that was able to be purchased in the store. It was cheaper than the same product at Lowes but Lowes is closer. I printed out the HD price and bought it at Lowes for $18 and saving $2.16. I pit the savings into my house EF account. Every little bit helps! I hope the filter helps. I am also looking at the shower head softeners. I will try this one for a while and see if it works. If it doesn't then I will go try a more extensive filter.

Tomorrow I have someone coming to reinstall the freezer drawer, installing a new water heater and garbage disposal, the key guy is coming back because one door does not open, a sprinkler guy is coming by to look at my system and figure out what it is doing or if I need a new timer mechanism, and I have a meeting with my tax accountant at 8 am re taxes for 2014. Obviously I took the day off to be able to do all that. It will be a busy day!

Work from home today

February 20th, 2015 at 09:48 pm

I worked from home today because I had to call a plumber for the hot water heater and garbage disposal.

The call is under the home warranty given to me for three years with the purchase of the house. The hot water heater does not stay hot and looses quite a bit of heat. Within 6 minutes it is luke warm. The garbage disposal kicks up rust and the safety cover is a replacement and not protective. Both of them will be replaced next week. I only pay $50 total for both. Warranty hires the plumber and they process everything including the city permit. Of course I get copies of everything.

I spoke with the home inspector who'd said it would go within a year. He was surprised it lasted less than a week. He had not noticed the issue with the disposal but it also is not covered under his inspection stuff as it is not required by appraisal or bank issues.

The loan I have requires a home warranty for at least three years and I worked that into the request from the sellers so I am covered for three years. I am not worried I know things will go and I will always call the warranty company first if it is something I cannot figure out on my own. Fifty dollars a call is not bad and I can fit as many issues under one call as I want as long as they are related: appliances, plumbing, electrical or something else. The warranty was the platinum one because the loan required certain things to be covered and only this one covered what they wanted plus about 30 more things.

I tracked down the manuals for the sprinkler system and the thermostat this week so tomorrow I will reprogram both. City is not requiring watering on specific days yet but the county says odd numbered houses are Tuesday, Thursday, Saturday. I will stick to those days and only 2 days a week for only very limited times. With the lack of water and snow this year they will eventually say no watering.

I am attending a rainy barrel installation course next weekend. For $20 I get the lesson, lunch, and two 65 gallon rain barrels! (A colleague is going but doesn't want blue barrels and is giving me hers.) I checked, you can paint the outside so I will with the house paint I have in the garage to match the house.

I wish I'd had them installed two weekends ago - they would be full already. It was a monster storm and according to research 1 inch of rain off a 1000 sq ft house is enough to fill two 65 gallon barrels. My house is 1500 sq ft so I could have easily filled three or perhaps four with that rain storm. I plan to fill with rain water but also water from the shower that has to run to warm up in the am. Saving as much as possible for the yard without using extra water.

In at the New House

February 15th, 2015 at 08:39 pm

I moved into the new house on Thursday. It was an all day affair with the movers. I had a coupon from a home owners website that offered 10% off with the moving company I chose (they will pay 10% of the cost to the company) which was one of the thank you gifts from my mortgage company. They started the move at 845 am and finished with everything in the house at 615 pm. Was a very long day.

Then the driver didn't want to accept the coupon even though I had a confirmation from the owner that they accept it. He hemmed and hawed and I finally picked up the phone and called the owner emergency line. He called right back and suddenly didn't remember saying yes. I had the email confirmation and sent it to him to "jog his memory" about the conversation. I finally said accept the coupon or instruct your drivers to repack and reload all my stuff back to the house-then the move never took place. They accepted the coupon. All it means is they call the home buying company, give them my 15 digit code and immediately get the10% paid to them. It does nothing for them but saved me $80.

I have spent the past few days unpacking and moving things around the way I want them. I bought a desk/table yesterday that I love. It is a small table built in 1860s used at a library. It has three drawers a large working area and plenty of space. It will hold all my work times and my printer and still give me space to work. Love it! Offered half price and asked for free delivery and they agreed. :-)

Today I received an email from Home Depot that the items I had "put in my shopping cart" three weeks ago were on sale. They were the same ones I purchased at Lowes on Feb 1. I looked at the prices, saw they were $100 cheaper for the washer and dyer each, and called Lowes for a price adjustment and they gave me their current prices which was $1.20 cheaper than Home Depot. :-) So I got back a little of over $225 on my credit card.

Then I asked them about a 10% off coupon from my home buyers welcome gift that I forgot to use. After some discussions back and forth the appliance manager agreed to do it if I brought in the coupon tomorrow. That will be another $270 back as well. In total I will have received $3790 worth of refrigerator/washer/dryer for about $1900 after all is said and finished. Not bad I think. And I got the refrigerator I really wanted for $1300 on sale instead of $2300. I never would have paid $2300 it just happened to be on sale on their website and a local store had the same model.

I will not be buying anything for e house for a while.

Taxes were sent to my accountant and I have an appointment in a couple weeks to review with her and push the button on submission to IRS and state. I know there is a bunch coming back.

To Do List for new house

February 1st, 2015 at 03:20 pm

List of items for new house:
Re-key house DONE
Garage door opener installed DONE
Select garage code DONE
Air filter
Lights in hallway changed
Bulbs in hallway changed
Figure our switches in master
Bulbs in bathrooms changed
Dining room light fixture changed
Refrigerator DONE
Washing machine DONE
Dryer DONE
Washing machine pan DONE
Leak in water system
Program sprinkler system to match city schedule
Security system
Measure floors
Cleaning carpets DONE
Movers scheduled/moved DONE
Cleaning house DONE
Rebuild garage shelving
Hot water heater 2/25/2015
Replace ceiling fans
Roof issue 6 cracked tiles
Replace door to garage
Replace master bath shower thing
Buy tv mounts and Mount tvs
Sell ceramic animals from back yard
Transfer utilities: gas, electric, sewer, garbage, water DONE
Move master bath door
Table in entry way
New electrical outlet covers with night lights integrated
Scrape stars off ceiling DONE
Remove bathroom border and fake crown molding
Paint laundry room
Paint guest bath
Guest bath towel holders
Flooring throughout house
Lock for outside power cabinet
Laundry room drying rack possible?
Cancel renters insurance. DONE AND DEPOSITED REFUND
Move ATT services DONE
Dryer wool balls need 4 more
Chimney cleaning
Hallway light coverings
Pantry redesign
Window coverings
A add French doors off living room haha, years from now
Change sliding doors to French doors
Re do "brick patio" off living room
Laundry room light fixture
Porch light fixture front and back
Buy lawn mower
Fence and gate replacement
Find and buy desk for office DONE
Replace garbage disposal 2/25/2015

EDITED / UPDATED FEBRUARY 15, 2015, FEBRUARY 20, 2015

T-minus 45 minutes to go!

January 20th, 2015 at 03:23 pm

Oh my, in just about 45 minutes I am signing for a house. My first ever. I haven’t gotten excited about this yet because I am overwhelmed (a little) with the amount of things I have to do before I move into the house.

The list is a mile long and tonight I may type it up so that I can have it easy access someplace. It will keep me accountable on what I have to do and what money I spend.

My family is going to dinner at Red Robin to celebrate. I told this this is the last of my spending for a while let’s go someplace nice, haha! Then I remembered I have a gift card for there so…dinner is covered.

After dinner I am going to look at a console table someone posted on a local FB page. It was originally $400+ and they are selling it for $75. It look nice, only a year or so old and they would move it for me Saturday to the new house. It will sit in the window area of the living room with a lamp on it. I use timers in my current apartment for lights to make it look like I am home because I am so often house sitting.

My agent sent me a note that I was smart to stand my ground with them completing items off the pest report because more things were found once they took off the decorative finial. Nothing major, but it was another $700 to repair that the sellers were responsible for, not me! And I spoke with the company today who completed the work, there is a guarantee on the work and he said no other problems were found. And he sent me the before and after pictures for my records and the list of completed work. Nice guy.

I can’t believe how fast it has come together.

One step closer

January 13th, 2015 at 07:51 pm

We are one step closer on the home purchase front. They agreed today to do the pest work and give me credit for three other small things. I was not going to buy the house without them doing the pest report, not even taking the credits at closing, as they could have discovered something more for which I would have been on the hook.

They also agreed to the home warranty as the heater is 18 years old (ac is two years old). They also bought an enhanced warranty as opposed to the basic one. When I asked my agent said that is the one they wanted me to have. The enhanced covers much more than the the other one that is usually purchased. Either then
Y are very kind or they know more things are going to break. I am going with kind. My agent also throws in $100 as a gift to each buyer toward the warranty so that helps them a little, too.

Now I wait for the work to be completed in the next few days and then the loan will fund. I should be closing sometime in 14 days or so. Then the fun really begins with the packing, cleaning, cleaning the floors etc so I can move in.

I am using a professional company to clean the house before move in and cleaning the carpeting. I may still get painting done before I move on, not sure yet.

My mom has graciously offered to "babysit" my house when work needs to be done in the next few weeks. She said since I don't have kids and she has babysat all my nieces and nephews this could be the way she can help me.

So much to think about.

Wow so much going on and 2015 budgets

January 6th, 2015 at 05:56 pm

So when last I wrote I had made an offer on a house. They accepted.

I had the inspection on the 23rd and it showed very few problems. The major 4 were: 3 cracked tiles on the roof and flashing loose, no screen door off kitchen, the fire door between garage and house was made insecure when they put in a peephole and a gate is very loose.

I am waiting for the roof inspector to give an estimate on replacing those 3 tiles but then I am going to ask for all of those and the items from the past report (a few pieces of dry rot) to be repaired. I already know they will do all on the pest report.

I have been trying to plan a budget around the mortgage payment, expected income from my FT job and known expenses. I called the gas and electric companies for an estimate of what the current bill averages have been for the past year. I know sewer/water/garbage rates every month. I have estimates made for the next year worth of expenses. Any estimates that come in under will be swept into a house account for those months when things are higher or for repairs or things I want for the house.

We are getting a raise in July of 3%. 1% automatically goes into retirement as mandated by the union contract but the other 2% will go into my 401k and 457. I don't need it so easy way to save more for retirement.

I need to buy a refrigerator, washer, dryer and am looking at replacing the water heater before I move in. I'd love to replace all the flooring but that just can't happen before I move in - it lowers my reserves beyond what I am comfortable.

I plan to rent one of the extra rooms for either $450 plus half the utilities or $600 even (which should be just about the same). I am hoping to put new carpet the extra room I want to rent out and with fresh paint it would look very nice. Since it is a smaller room I might be able to do it with just a remnant.

I called a friend who is a contractor and asked if he has any crew members who want to pick up some extra cash and paint the inside of the house. He said yes there are. Once I have the keys we will go and buy paint and all they need to paint the inside of the house for me before I move in. It should take 2 days or less. I am thinking white for most of the house, a dark blue accent in the kitchen walls as very little shows but would make the kitchen pop, and gray in the living room-dining room.

I have received my first housesitting payment of 2015. It was for drop in care on 12/31 and the morning of 1/1. I am waiting for another payment more from this client for this past weekend, another clients payment for three days the last week of the year. I am currently on a house sit that will pay enough for the dryer I need to buy for the house.
I have several other drop in care appointments this month. So I will more than meet my goal of $700 earned this month - 11 months to go!

I have been pulling together all my tax papers for the business. I pay all my memberships, insurances, business license, po box etc. in December so it makes it easy to put into my tax papers once I print out all the receipts. I do my paperwork monthly for mileage and income so all I need to do is finish Decembers mileage report, hit print on the reports and the year is done. Once I get my w2 from my employer I can send it all to the accountant.

Offer on a house today

December 21st, 2014 at 06:58 pm

I made an offer on a house today. I saw it yesterday and liked it a lot. It is about 1600 sf. It is a little larger than I planned but it has a nice lay out.

It is three beds-two baths-two car garage. You enter into a formal living/dining room type situation and directly behind that is the kitchen. There is a small room off the kitchen with a fireplace that some homeowners have made into a dining room but I want to make it a small family-tv room. There is an eat in kitchen area small but workable.

The master bed room actually has a sitting area as part of the room. I will set up my treadmill and tv area there. Also it can hold my desk and filing cabinet.

One room is nice sized and I think I will be renting it out. The other room is a good size but it has French doors that open off the little family room area. I think it would be difficult to rent it out but may try to find someone. I would also be open to one renter renting both of those rooms a bed room and an office.

In this area you can charge more for access to park in the garage and I am considering that but not sure yet. There is a laundry room pass through to the garage.

The yard is nice sized but not huge. There is a small grassy area but it is not huge. There are two areas of patios. right off the kitchen and master bedroom. There is a nice area for a spice-herb garden right off the kitchen.

I like that the master bedroom has such a nice sized sitting area. I can hang out in the room working or watching tv and not impacting a renter or being impacted by a renter.

I need to buy a refrigerator, washer and dryer and I think a microwave. I can't remember if there is one. We asked for them to leave the gas stove.

I would love to rip out the carpet and put in wood flooring and tile instead of linoleum in the kitchen and baths and laundry room. I will tackle small projects as I have the money saved and will not add any extra debt.

All it really needs is to have the (newer) carpet cleaned and a whole house cleaning and then I could move in.

We made our offer the strongest we could but also know there are several other offers coming in tomorrow. I won't go into a bidding war-if I don't get it so be it. There will be another house down the road.

Oh my. What will the next couple of days hold?

Little Updates on Me

November 19th, 2014 at 12:20 pm

I am going to try and be better about blogging even if just a little note each day.

There was no spending done Saturday and Sunday as I stayed home and made candles for Christmas. I am ready for some holiday movies to keep my company as I work. Hope they start on the tv soon.

I received a payment on Monday night from a house sitting client $127. She asked about drop in services for several days next week that I hope will come through.

Have Friday night scheduled next week as well for another client. I was already paid for it (she has two nights on credit) when she paid me for a house sit and came home two days early. She didn't want a repayment so she has a two night credit.

I have scheduled weeks of house sitting in March, April, May and July for another client. She wanted to confirm before she bought tickets. Each week scheduled is great for me!

All money goes to 2016 business expenses first (about $1000/year), IRA payments and then to house down payment savings and maybe a little for a vacation in 2015. I never took one in 2014.

I am getting the cold that is going through the office. I was so tired last night I fell asleep during the news, woke up at 730 made dinner and cleaned the kitchen and went back to bed. I am hoping to work from home Thursday and Friday on my major project.

I was also freezing last night when I got home even with the electric lap blanket. I turned on the little oil filled radiator heater to warm the apartment. It was on for two+ hours but on low and just enough to take the chill off. With the blanket I was good.

I was hoping to last until December 1 without the heater. With making candles this weekend I need it to be about 70 degrees in the apartment. It wasn't that warm this past weekend and I kept having problems with the candles so I may move the heater into the kitchen this weekend.

Have you turned on your heaters? Are you making gifts for Christmas this year?


Saving money off my monthly budget

November 17th, 2014 at 02:15 pm

I just shaved about $140 from my monthly bills and $145 from my yearly.

I have not had time to call regarding my cell and cable accounts in months because I have to call during business hours. I've worked so much that I never had time to sit and speak with someone for the length of time I knew it would take (which ended up being 67 minutes because I was on hold for 34).

I called first about my cable bill asking how I could lower the bill without sacrificing any services. She asked a few questions about the tv channels we watch, movies streamed, etc. Her first offer was ok but I asked her the - is that the best you can do question and she was able to take my previous bill of $155 (including taxes) a month to $84 a month (plus about 10 in taxes - estimated right now) saving $61 a month.

Then we had a good conversation about texting and the elderly and she mentioned her mother who is 87 needs to learn but none of them can convince her so I gave her some tips including for emergencies and how my mother uses it to keep in touch with grandkids. She loved that and said let me see what I can do for your phone bill! At this point I was so happy I said sure!

She was able to reconfigure our non-contract account to be $84 from $160 for two phones. She cut it in half and the account gives us unlimited talk and texting, unlimited international texting (handy with lots of friends abroad), a free hot spot access (for both phones for no extra charge), 5 gigs a month (instead of the 2 we were getting) and more!

I asked how this was going to affect me when I purchase a new phone in January or February. She said - it won't affect it at all, if you purchase your phone outright and stay off the contract. I was floored! She said it is a little known secret that you can purchase your phone outright and stay off contract thus saving money. I planned to just purchase a phone anyway and was considering going to another service without a contract but keeping our numbers but my mother's neighbors have used several and said it is not great coverage for the hills in which they live. This will allow me to keep all my services, coverage and save some money.

Then I called my insurance company as it is up for renewal this month and asked what the best they could do for my renter's policy. I had quotes from several other companies and was able to shave $55 off my coverage without changing anything.

I called a new credit card and got a yearly fee returned and as long as I auto pay something every month for a year it will not be added on next year. I just set up my cell and cable bills to auto pay - I pay them every month anyway – and I am earning 4 times points because of the auto pay. Saved $95 and am earning points!

The amount saved for the month is $140 (times 12) is $1680 + $55 for insurance + $95 = $1830 saved for the next year. I immediately went into my 401k and 457 accounts and set up the new contributions to equal $1800 in new contribution amounts for 2015!

New position possible?

May 19th, 2014 at 11:14 am

I am actively looking to leave the job I have loved for 6 years. I just can’t stand it anymore. Things never get resolved, poor management, no support for staff, bickering between managers has staff put in awkward places, managers who don’t do their work as managers means staff is coming and going at any hours they want or “telecommuting” but never are available via phone or email, no accountability and those of us who are here, do our work, are professional get dumped on with more work assigned.

I actually applied for a new job in the same field in Colorado. I am investigating the moving process of getting my personal items from California to Denver, looking for a new place to live, looking at the lifestyle and how the Denver metro are feels. I know I will rent an apartment for the first year. Must have parking and be a two bedroom because of the work from home opportunities since the position can travel up to 75%. After the first year I may rent a house or buy a small condo. It depends on how things are going and how I survive the first winter. Haven’t had a real winter since my time in Vermont for grad school. There was a ton of snow and I hated shoveling it. But much less snow in Denver than Vermont!

In 1998 I moved to Vermont after never having been there for grad school. I loved it. I would have stayed had I found a job in Vermont or Massachusetts. I am up for a new adventure and moving to Colorado sounds exciting and a new job sounds even better.

Does anyone have any experience in Denver? Know the area? Recommendations on where to live or avoid (that is my big question currently)? If I get the job I will drive my car there and they also are providing a car because they position can travel up to 75% time during major events and emergencies. I am excited about the possibility. More money, better benefits, small office, travel, work from home or in an office as I am the only one from the head agency there and assigned a region. Anyway, if anyone has any experience in Colorado, I’d love to know!

Work out goal and Financial thoughts

March 4th, 2014 at 10:08 pm

March 4th: workout 62 minutes 2 miles on treadmill.
Total miles: 4.33
Total time: 130 minutes

And I realized I still had over $120 left over in my transportation jar from last month. I may be able to save the $140 I allocated for March. Will need it for a vacation around July 4th to the coast to spend time with friends from high school and their families. We are all going to rent a house together and spend the week. It will be such a good time!

Goals for March - Fitness, nutrition, travel and money

March 2nd, 2014 at 07:30 pm

Fitness Challenge goals:
20 workouts during the month to equal 30 miles walked.

No eating out starting Ash Wednesday. The only exception is the business trip I am taking beginning Saturday the 22 and ending Thursday the 27th. Although for business trips I usually go to the grocery store and buy yogurt, high fiber bread, PB, jelly, fruit, carrots, sometimes juice boxes. Trying to follow the lent plan but it is also difficult when traveling.

I pack my lunch bag, ice blue frozen things to freeze in the room refrigerator, and zip lock bags. I make mu lunch in the hotel room and take to the meeting or training sites. It saves me money and I can control better the nutrition for breakfast and lunch. For dinner I join my colleagues or friends who live in the area or have yogurt and fruit. It also helps me on my weight loss goals.

On my trip last month my colleague got us access to the concierge room (he travels 160+ nights a year and only stays in one hotel brand when he can and has major points). It provided us breakfast and coffee each morning and appetizers, drinks and snacks each evening. I went for appetizers once and that was my dinner. It was more than enough. He has arranged it again for the next two trips. A hot breakfast of eggs and an English muffin and coffee is a great way to start the day, after going to the gym.

Work out logs:
March 2 Am workout 1.33 miles in 40 minutes, and PM 1 mile in 30 minutes.

Total: 2.33 miles

Work out 1 down

March 2nd, 2014 at 06:16 pm

I joined Ceejays March fitness challenge. Goes along with my no eating out challenge that begins Wednesday for Lent.

I walked on the treadmill for 40 minutes this morning. It equaled 1.33 miles. The plantar fasciitis is bothering me a lot in my left foot but I want to walk another 1.5 miles during the Oscars. Getting ready to get on the treadmill again. I would have
walked outside this morning but it was raining and cold.

Waiting for my March paycheck to hit so I can pay bills. Ugh. Hate it when the state pays on a Friday. It doesn't show up until Monday.

Emergency Preparedness 22 Week Schedule and Planning ideas

January 8th, 2014 at 09:00 pm

Another blog entry today mentioned emergency preping in 52 weeks. That lead me to a brain dump and some ideas for how to prepare in 22 weeks, to be repeated as necessary until enough food, water and supplies for a minimum of 7 days.

Emergency Preparedness Purchase List for Disaster Preparedness Kit

First, be creative with where the purchases are made: thrift stores for storage solutions, dollar/99 cents stores for flashlights, first aid supplies, batteries, canned goods, candles, matches, etc. hardware or supply stores.

Rotate all food and water every 6 months.

*per person in family

Week 1: 1 gallon water, 1 jar peanut/nut butter, hand operated can opener, 1 canned meat*, 1 box permanent marking pen, role of duct tape, basic first aid kit, select storage location, select back pack for grab and go kit (think thrift stores for purchase),

Week 2: 1 gallon water, 1 canned meat*, 2 flashlights with 2 sets extra batteries and 2 sets extra batteries in a different size (dollar store purchases), water proof matches and water proof container.

Week 3: Leatherman or Swiss army knife type tool.

Week 4: 1 gallon water, 1 canned fruit*, 1 canned
vegetable*, 1 canned meat*, 1 package dry milk, 1 package feminine hygiene, aspiring or pain reliever, pencil/pen/notebook.

Week 5: 100 feet rope, 1 gallon water*, 1 each canned fruit/vegetable/meat*, evacuation routes map.

Week 6: Animal planning: 1 gallon of water for each household pet, 1 bag of food size to last 1 week for each household pet, 1 litter pan/container of litter, 1 backpack for pets labeled “PET GO KIT” with extra toys, leashes, water and food dishes, photocopies of vet cards (needed if ever checking into a shelter), licenses, veterinary contact information.

Week 7: 1 gallon water, 1 can fruit/vegetable/meat, 1 package toilet paper, 1 4-pack toothbrushes, toothpaste.

Week 8: first aid supplies: adhesive bandages in multiple sizes, gauze pads, safety pins, adhesive tape, non-latex gloves in multiple sizes, roller bandages, make arm sling from extra material.

Week 9: 1 gallon water, 1 can soup/fruit/vegetables*, sewing kit, disinfectant

Week 10: first aid supplies: scissors, tweezers, thermometer, antibacterial soap, hand sanitizer, disposable wipes, petroleum jelly, 2 tongue blades, extra eyeglasses, contacts, saline solution for contacts.

Week 11: 1 gallon water, 1 can soup, liquid dish soap, house hold bleach, 1 box heavy duty garbage bags, antacids.

Week 12: battery powered radio, wrenches to turn off utilities, waterproof plastic container for important papers.

Week 13: 1 gallon water, 1 large can of juice, “Ziplock” baggies in multiple sizes between snack sizes to 2 gallon, 1 box energy bars/quick energy snacks.

Week 14: paper goods week: toilet paper 1 4-pack per member of the family, paper towels 1 roll per person, paper cups,

Week 15: personal safety: whistle*, tools: crow bar, pliers, screwdrivers, hammer.

Week 16: 1 gallon water, 1 can fruit/vegetable/soup/meat*, 3 boxes “treats” graham crackers, fruit snacks etc.

Week 17: 1 gallon water, 1 large can of juice, 1 box energy bars/quick energy snacks, 1 role duct tape.

Week 18: 1 box dry cereal*, 2 containers each of antidiarrheal medicine, rubbing alcohol, antiseptic.

Week 19: Animal planning: 1 gallon of water for each household pet, 1 bag of food size to last 1 week for each household pet, 1 container of litter, I bag treats for each animal.

Week 20: plastic wrap, aluminum foil, disposable plastic containers with lids, personal hygiene items: feminine supplies,

Week 21: camping or utility knife, work groves, disposable dust masks.

Week 22: develop bucket toilet: http://www.survivalpreparednesstips.com/Survival%20toilet.pdf

Important things to consider:

Baby needs: formula and bottle, water, diapers, clothes, blankets for sleeping and clean space to crawl and play.

Elderly care: 1 month extra medications, spare glasses, hearing aid batteries, additional needs per person.

Kids care: games, books, cards, special treats to keep them busy and occupied.

Consider buying solar battery charger which can charge batteries and phones/computers/ipads etc. Goal Zero makes some fantastic items that I myself have purchased including solar powered lighting and energy sources enough to keep refrigerator running.

Blankets, towels, wash cloths, for each member of family.

Each member of family has back pack with several
changes of clothes season specific, especially socks and underwear, shoes, personal items.

Cash in multiple denominations and coinage, and some in each family member grab and go bags.

Continue with food and water prep until enough for family for minimum 7 days. Repeat weeks as necessary.

Learn how to make candle heater with flower pots: http://www.trueactivist.com/how-to-easily-heat-your-home-using-flower-pots-tea-lights/

Video tape contents of your home room by room for insurance purposes. Save video to disks in safety deposit box and at home, send to out of town contact for safe keeping as well.

Develop an out of town contact to notify in case of emergency who can track all members if communications in the disaster area are compromised.

Make a complete list of contacts in your phone book in case of error. Keep a copy in each back pack. Update twice a year, minimum.

Develop car emergency kit: ides forthcoming.

Review all insurance coverage once a year. Have copies of policy numbers and policy in important papers, know what emergency assistance your insurance company can provide.

Learn emergency plan for your childrens’ school/day care.

Bolt cabinets and book cases to wall studs. Hot water heater, too.

Test smoke detectors twice a year, minimum.

Learn first aid/CPR.

Know evacuate routes for your neighborhood. Identify evacuation point out of neighborhood that everyone knows where to go.

Develop complete lists of family member prescriptions including dosage, prescribing doctor and when the prescription expires and need to be renewed by the prescribing doctor as most are only good for 12 months.

Leave shoes and flashlight next to bed for quick exit. Keep spare pair of comfy walking shoes in trunk of car and at work location.

Know the utility shut off locations and procedures, identify tools needed and nail next to interior garage door clearly labeled or leave wrench attached to cut off valve.

Make photocopies of all important papers and store in water proof container with supplies.

I know I can write much more about this subject. This was just a brain dump. If the weeks don't work for your planning, identify when things are on sale and cross them off as your purchase. Remember planning for 7 days of food and water for your family.







Do I or don't I?

November 9th, 2013 at 09:12 pm

I found a house.

It is 6 years old, corner lot, zero lot line, single story, 3 bedroom, 2 bath, 2 car garage alley-way house in one of the communities I wanted to live in. I want a zero lot line house because I really don't want to worry about yard work.

There is a small front and side yard (in front of house is 3 feet wide by length of house, about 20 feet, it is a very small yard!) HOA fees are $32 a month (pays community lighting and watering of two parks in area).

PITI payment would be about 23% gross, 30% net. I have a friend and colleague (different area of the department I work in) who wants to move out of the house she has been sharing and wants to downsize to one room. Offered $400 a month and part of utilities which would be amazing. I would take her because she is in her mid 50's, going back to school to complete her BA, and goes away every third weekend to visit her adult kids about an hour away.

I can afford the house without a room mate, her rent would just be more I would use to pay off the house.

I am trying to figure out the Calpers loan process because colleagues have said it saved them money in the end. Of course, it is a weekend, the house just came on the market and this model (single story) in the community sells very quickly.

I just don't know what to do. I have wanted to be in my own home for several years, and here is my preferred house design, two miles from my office!

It would be a conventional loan as the FHA loans now have that PMI that is permanent. Have a percentage to put down, not as much as I wanted but with a room mate I would make up the difference.

Thoughts? Things to consider? Tax ramifications of buying a house? What can I write off in the first year (e.g. 2013 taxes)?

Comments welcome.

(and does anyone know what is going on with the "" things on the web page?? it is driving me nuts for the past couple of weeks.)


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