A Dime at a Time

Navigating life and finances

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More mortgage payment issues

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The never ending saga.

I am really beginning to dread the first of the month.  This is when our mortgage payment is supposed to be made.  We had issues last Summer with them not taking the payment.  Thought we had it straightened out yet to go through the very same thing on this month.  February 1st came around, we had the money in our account, and yet they still didn’t take the payment. Took multiple calls to get that (supposedly) back on track.

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Secured seasonal job…yes and no

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My DH, ever the wise one.

So much for feeling like I secured my seasonal position.  Yes, the job offer is still on the table.  No, the terms are still not what they should be. I received an updated job description and after discussing it with my DH, I realize that the job has the makings of another season much like last year.  I am so thankful for his wisdom.  I tend to be a people pleaser, which as we all know, can be both good and bad.

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$259.31 closer towards our goal

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Beefing up the emergency fund.

You read that right.  $259.31 and it is all going towards beefing up our emergency fund.  This was the proceeds of my eBay items that ended yesterday.  Would have been more, but eBay and PayPal always take their share.  Still, I am very pleased.  Now before you start thinking I’m a packrat with endless items to unload, I’m not.  One item had been left in the house we purchased 18 months ago.  The other was from a friend who had me sell 2 other items and then told me to keep the third item to do with as I pleased. Of the items I sold, only 1 was actually originally mine and it only netted $15.  I had a few items that didn’t sell that I’ll re-list once I’m back from a trip I need to make.

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Taking a trip while in debt?

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There are times you just need to.

I am planning on taking a short trip.  Honestly, I would rather not as I don’t like long distance driving, but there are times it simply can’t be avoided. My brother contacted me a couple of weeks ago and said he needed me to come sign some papers for our dad’s estate.  He prefers me to handle this directly with the attorney rather than via the mail.  Dad is very much alive, but his mind is starting to slip more and more.  At pushing 90, it is to be expected.  No rush in coming, but sooner rather than later.  With well over 400 miles separating us, this trip will take a little planning.

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Tax time!

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My least favorite time of the year!

It is that time of year again.  Tax time!  I gave myself a deadline to get everything ready to send off to our CPA by the end of the month.  With February being a shorter month, it is getting down to crunch time.  I always admire those who are pretty much ready to go once their tax forms arrive in their mailbox.  In my own defense, ours have become a bit more complicated.  Even more so this past year with having started a business.  I also know that January and February are the busiest months for our CPA so I like to give him a break and not send ours in right away.  My excuse and I’m sticking to it!

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The emotional rollercoaster of debt

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I am so eager to get off this ride!

This getting out of debt sure comes with a lot of emotional ups and downs!  Yesterday morning I was feeling ‘okay’ with how we were doing-or at least as okay as someone deeply in debt can even possibly begin to feel.  But by the evening, my emotions had completely changed.  You name it, I was feeling it…guilt, frustration, anger, fear, impatience.  My emotions were all over the board.  My DH, being ever so level headed, kept telling me to focus on the positives.  We are making progress, our bills are getting paid, we have a plan, we will get this done!  Still, some of those feelings persisted and caused for a restless night.

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Paycheck anticipation!

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How much will it be?

DH has a very irregular income.  We never know from paycheck to paycheck just how much it will be.  My income from my part time job is also a bit irregular, but nothing compared to DH’s checks.  He also earns the bulk of our income (thank you dear!) so that check is always the one we wait on with the biggest anticipation.  There are times I think it would be easier to have a consistent check, but when a check is larger than expected, I’m happy for the inconsistency.  Of course this unfortunately works the opposite way too.  I’ve trained my brain to think low when it comes to our checks, hence avoiding too much disappointment.  No matter how much it is, I know DH has worked hard to earn it.

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Saving Nickels Saving Dimes

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But unlike the song, I’m not 100% sure why!

DH and I have saved our change for years.  The last time we cashed it out, we had almost $1,000 worth.  That was 18 months ago and we ended up using it to help offset some of our moving expenses.  We never seem to save for anything in particular.  I highly doubt if we were to have an actual goal in mind that it would change how much we do dump into our container.

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