Thursday, December 1, 2016

Another Debt Bites the Dust

Woo Hoo!!!!!!!!!!!!! another debt bites the dust and I am so happy.  That leaves us with a mortgage and car loan and that is it.  The mortgage will be below $3000.00 after this last payment.  I can just taste the freedom when that debt is gone.  Ideally I would like for it to be gone by the end of January 2017.  What could be better?  Having it paid by the end of December but I am not sure if that can happen.  AFter that, it's just the car.

The light at the end of the tunnel is getting brighter and closer.  I can't tell you how exciting this is for me.  It really means freedom.  At least it does for me.  Now just because the debts will be gone soon doesn't mean we are financially set.  Far from it.  We need to build up an emergency fund.  I would like a minimum of 6 months but prefer a year.  In addition, we need sinking funds to pay for items such as home maintenance and/or appliance replacements.

But still I am excited about being mortgage free.

What are you looking forward to when it comes to finances?  Or are you dreading something?

Saturday, November 26, 2016

Comings and Goings

So how all of ya'll doing?  Did you have a nice Thanksgiving?  Are you full and tired of turkey already?  Me?  I'm more of a ham girl myself.  It's been a bit since I posted.  Oh my I need to do better than this folks!

So last weekend we went to the Raleigh Christmas parade.  It was nice.  Even nicer that the weather was AMAZING!

Here are some photos from that day.

BTW-how is your christmas shopping going?

Tuesday, November 8, 2016

Monday, November 7, 2016

I Withstood a Want

For me this is BIG. I've always wanted a red leather Coach purse. Today is my birthday. We were in the Boone and Blowing Rock area this weekend. On the way home there is a Tanger outlet mall with a Coach store and low and behold there was this beautiful red leather purse. For $149 I could take it home. I put that bad boy on and went to a mirror to see how good it looked. It looked great!  Beautiful. Perfect size. And I did I mention it was on "sale "?  The price tag original price was $395.
My dear husband said get it. It's your birthday. But something snapped inside at the last minute. I put it back on the shelf.  That my blog friends was a big step for me.  You see.......some ladies like shoes, I love purses.  I have way too many purses but it is really hard for me to give them away or sell at consignment shops.  I have made money in the past with selling several Vera Bradley purses via consignment though.

I'm not sure I will ever be a minimalist but I sure don't want to be a purse hoarder either!  LOL

Saturday, November 5, 2016

Can We Stop the Food Wars?

Please?  Yesterday I read a post on facebook from one of my local farmers markets.  It was about a farm in Georgia that had closed and how great the goats were etc............Now don't get me wrong, I love farms, I like to support them when I can and I dearly love farm animals.  However I kept reading the article and this farm charged $8.00 for a dozen eggs.  I realize that farmers have to charge a fair amount for them to make money so I am not being critical of this farmer but I left a comment simply stating that most people I know simply can't afford $8 a dozen eggs.  There is a demographic out there that can and I say that's great!  Go for it but it's too much for me.  Well the farmers market responded to me that they wanted to teach me to buy my groceries, all of them, at the farmers market.  They said that I would need to buy better beef but perhaps use less of it and that most Americans have a ton of food waste.  Yes that is true indeed but I did buy a pound of beef at the NC State Farmers Market ONCE at either $8 or $9 a pound.  Nope! I won't be doing that again.  I replied back that for folks on very limited budgets it was hard to justify spending even $5.00 for a dozen eggs.  I know of a family of 5 whose grocery budget for the month is $100.00 and no they are not on any type of assistance and no they don't want to be on assistance and yes they qualify for assistance.  The wife does an amazing job of getting really good deals on her food.  I'm sure that what she buys would send most foodies in a frenzy worrying about her family's health and the state of the earth.  Nope she doesn't buy hardly any snack or junk items because 1-they can't afford them and 2-they have food sensitivities that prevent it.  With her spending $50 every 2 weeks it makes no sense to spend 10% of her budget on eggs.

So I guess my point is why don't we all let folks buy what they want at the grocery store or at your local farmers market.  Let's let them spend what they feel is a right amount for their family.  Let's support the farmers when we can because that is important.  Most farms are not the huge farms that people want to protest against but rather family farms that are working hard to treat the animals the correct way with love and care while at the same time making a living for their families.

So I will try to buy more at my farmers market knowing that I can't succeed 100% of the time and I will also buy groceries at Kroger and Aldi.  That is the way I can save money for MY family.  I don't expect everyone to feel this way but I hope I've given ya'll something to consider.  I know the article spoke to me about the need to support the farmers but it also spoke to me that many have no idea how hard it is for some families to put even the cheapest of food on the table while trying to keep a roof over their heads.

See!  I actually do shop at the NC Farmers Market

Tuesday, October 25, 2016

Beefing Up on Savings

Remember when I mentioned that I had been making 2 car payments a month?  While I think that is good for us, I've decided instead to beef up our savings.  Our savings is better than it used to be but woefully short of where we need to be.  I am concerned, not overly but still concerned about the next recession.  You know one is coming, right?  I mean they are cyclical.  It really doesn't matter who is in office.  It will happen.  Now some presidents handle the situation better than others but we won't go there will we?  I'm staying out of that one.  LOL.

I have a goal to saving an additional $4000 by the end of the year.  That is $800.00 a pay check.  I hope I can do this.  Nope, I am going to do this.  We need this cushion like yesterday. 

I wish I had been more like Meg B.  Her head was screwed on right from the get go.  Me, not so much. 

The hubster has over 30 years at his job and if a recession hits, he could be one of those folks who are asked to "retire".  Just another reason I want to pay off the mortgage as early as possible.  Even when meeting my $4000 savings goal I will also overpay the mortgage to get it paid off by the end of January 2017.  That will free up a lot of money for us.

Once our savings account gets a better cushion-then I will attack the car payment again. 


Monday, October 24, 2016

Monday Mumblings

Every work week starts the same for me.  Sunday flies by and before you know it it is time to go to bed.  Then that wonderful alarm clock goes off to remind me that once again I have to get up and get ready to work.  Work according to a schedule that I'm not that fond of.  Work when I am growing more and more discontent with what I hear and what I've been told.  I so want to be in charge of my time.  How about you?  Are you in charge of your time or do you dance to the beat of your employer?  My employer is a good place to work.  I just want out.  And right now I can't get out due to poor financial decisions made in the past.  Poor money handling skills.  Stupid money handling skills. No discipline.  It didn't seem so odd because so many others were doing the same.  Get up, go to work, come home, go to bed.  Do it all over again.

Now I am almost 55 and I want off of the hamster wheel.  That feeling gets stronger and stronger.  I will accomplish this goal.  I don't know when it will happen but I will accomplish this goal.  There is so much more to life than clocking in.

Oh well.......I must go now.  Have a great Monday!