MrsMcDowell's Money Management Thread - Page 3
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  1. #31
    Registered User Greebo's Avatar
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    But ... but... but...that's proving me right!
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  2. #32
    McD
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    Nope. You said 18 months. I'm shaving months off it. That'll show ya. HAH!
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  3. #33
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    And after you're debt free, and 18 months arrives, will you still be debt free?

    Or will you go back INTO debt to prove me wrong? Cause otherwise, I'm still right.
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  5. #34
    McD
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    Okay....time for a quick update:

    I set up my furnace estimate for next Friday. The guy is giving me two quotes--one if we move the furnace to the basement, the other is if we get a whole new one.

    Got a 4$ rebate check and applied to my Vantus debt. Paid minimum on my loan to Liberty and applied the extra 12.77 to Vantus. New Totals: Vantus-1486.98 Liberty-6430.67.

    The bill for cable and internet came. Was a 1.12 less than last month. Not sure why.

    Last night's dinner was easy chicken bake. Was a hit b/c there were no leftovers. We are eating the leftover Mexican Lasagna tonight. I don't wanna cook.

    We are switching our daycare flex spending account--it'll be thru Dh's employer now. They give a yearly contribution of 240$--that's just about 2 weeks of daycare for us!

    I've started grocery planning--will spend about 20$ at Hy-Vee on some stockpiling stuff that I can get dirt cheap.
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  6. #35
    Registered User nodmicks's Avatar
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    Wow! You and hubby are doing terrific!!!!!!
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  7. #36
    McD
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    I called our insurance agent today to see how much we would save if we upped our deductibles. Saves us close to 400$ a year (approximately 40$ a month). So, i upped our deductibles and will add that extra 40$ to my debt snowball.
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  8. #37
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    Quote Originally Posted by MrsMcDowell View Post
    I called our insurance agent today to see how much we would save if we upped our deductibles. Saves us close to 400$ a year (approximately 40$ a month). So, i upped our deductibles and will add that extra 40$ to my debt snowball.
    Good job. I think this is an often overlooked savings. May I ask how high you went to save $400/year?
    ~Russ
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  9. #38
    McD
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    Quote Originally Posted by rcannon View Post
    Good job. I think this is an often overlooked savings. May I ask how high you went to save $400/year?
    We bumped the deductibles to 1000$ on each car. We have 5K in an e.f. and feel comfy paying that if we need to.
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  10. #39
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    Way to go Nichole. Love reading your posts. When I was 23 (me & DH) weren't as smart as you guys. You guys are a great example for your little guy (and all other 23yo for that matter). Good luck to you!!
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  11. #40
    McD
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    Oh my goodness today has been a day and a 1/2 at work. Yikes.

    Ate leftovers for dinner last night and brought more for lunch today, if I actually have time to eat.

    Hubby and I are celebrating our anniversary early this weekend, since he'll be in the academy during our actual anniversary. We splurged a bit this year. He was gone for our 2nd anniversary and this is a celebration of a lot of things-my graduation, his new job, anniversary, etc. We're going on a dinner train today and a desert train tomorrow. If I tell you how much it cost Greebo would beat me! It was about 170$, but we're paying for it out of my last G.I. bill.

    I am expensing out about 15$ at work today and need to take a shirt back for an 15$ back. That 30$ will be applied to the Vantus loan. Plan on paying back a huge chunk today.

    Will post more later. Have tons of stuff to do today!
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  12. #41
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    You have things to celebrate and the money to do it with w/o going into debt further....SPLURGE!!!!

    By the way, I am SOOOO JEALOUS!!
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  13. #42
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    Quote Originally Posted by MrsMcDowell View Post
    It was about 170$, but we're paying for it out of my last G.I. bill.
    I don't care where you got it, money is money!!!
    Greebo -> <- MrsMcDowell


    Ok, ok, just kidding! Hope you had a great time!

    (Pssst...don't tell anyone, but we went to the Olive Garden last night. We had a $25 gift card, so we only paid like $30 total...

    Yes, I'm rubbing it in! )
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  14. #43
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    What's the situation on the furnace?

    I'm really enjoying reading your updates. I wish I had been as smart as you when I was your age. You've got your head on straight and know what you want.
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  15. #44
    McD
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    Last night was SO much fun. THe ride was a two hour ride thru the Des Moines River Valley! They took us over a mile high bridge, which was AMAZING. Our dinner consister of shrimp cocktail, caesar salad, prime rib, baked potato, steamed veggies, rolls, and cheesecake. Mmmmm. I'm still drooling. We had a blast.

    Note: My hair sucks. I spent two hours trying to get awesome spiral curls. My hair held curls for all of 10 minutes. Instead, I had to totally vamp my hair up into sex kitten hair.

    We are supposed to go on the dessert train this afternoon, but it's apparently the exact same thing as yesterday, just with desserts. I didn't realize that. It's too late to get a refund, so I called the railroad and just asked them to give our tickets to someone at no charge. It's about a 50$ stupid tax on our part, but hopefully, we've made someone else's day a littler brighter.

    I paid 200$ on the Vantus Loan yesterday. New total: 1286.98

    Lazy day planned today. Wesley is still at gramma and poppa's, so we're going to try and do something fun, like putt putt. Who knows? We're still celebrating our anniversary so maybe we'll just stay in this weekend.

    Okay this furnace situation is a combination of things. I will be the first to admit that we were very uneducated home buyers. We did not know the difference between the V.A. home inspection and a homeowner's inspection. It's totally NOT the same thing.

    The previous owners of this house were weekend d.i.y.ers, but they had NO clue what they were doing. They moved a high efficiency furnace from the basement to a little room they built in the garage. The H.E. furnace has to be kept somewhat warm, especialy in the winter. They covered up the one heat duct going out to the garage. They switched how our ductworks somehow so the returns are on the opposite walls than they should be. We had a lot of problems with it the past two winters. This brilliant diy-ers also had the condensate line hooked up to the sump pump line somehow. When we had to get our a.c. fixed this past summer, the people screwed something up with the condensate line/sump pump deal, so all the water from our sump pump was going straight into our furnace, blew up the motor, fried our circuit board, etc.
    (Dealing with that contractor to try and get it fixed was a disaster--they threatened to call the cops on me for harassment at one point if I called one more time asking for the insurance number.)

    So, I'm getting two estimates from a compnay that we have had AMAZING luck with. They are awesome. One estimate will be to move the existing furnace to the basement, modify the ductwork a bit. The other estimate will be to get a whole new furnace in the basement.

    Yikes.
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  16. #45
    Registered User Cricketlegs's Avatar
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    I am glad to see things are moving along for you and your family.

    Good luck with the furnace situation. Sounds like a real pain to deal with.
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