Sunday, July 26, 2015

Birthday and Garden Update

Tomorrow is Lil Punk's 6th birthday.  She's getting to be such a big girl.  We had a pool party on Saturday and she had 4 little girls attend.  It was fun and all the girls were very well-behaved.  We got her a cheaper tablet but we won't give it to her till tomorrow. I know she will love it.  We went to the lake today for an hour.  We even planned a girls daytrip before school starts.  We're going to play mini golf, do school shopping and have lunch.  It will be super fun but it also reminds me how big she's gotten.  These last 6 years have flown by.

My garden is doing lovely.  Peas are pretty much over now and the kohlrabi is finished but other things are doing great.  We just picked a couple cherry tomatoes this week.  The peppers are doing wonderfully.  We've also had a great year for carrots.

These are mini eggplants from my garden.  I made a veggie stir fry today with these, green pepper, onions and broccoli from the garden over couscous.  It was delicious.  I splashed it with garlic rice wine vinegar when it was cooking and it gave it the extra flavor it needed without the added fat from a stir fry sauce.
These are baby fingerling potatoes.  I didn't mean to dig these but I pulled up a weed and they can with it.  I'm debating pulling up another plant and making a tasty dish for the whole family.  Or I could just cook them for myself :)

Have a good week!

Thursday, July 23, 2015

Mortgage Plan

We currently have a 30 year fixed mortgage owing just under $199,000 at 3.375%.  We are 3 years into our mortgage.  Y and I were talking the other day about retirement and we want our mortgage paid in full prior to retirement.  He is eligible for his full pension when he is 59 or 21 years away.  I decided to run an amortization table with the intent to pay it off in 21 years.  It came out to just under $1110 monthly so I'm starting to pay that amount starting in July versus the $1000 monthly that I had been paying.

I'm happy with this decision but I still struggle a bit with it.  I know I could probably achieve better than a 3.375% return but we are saving aggressively. For the most part, I do disagree with putting all extra money toward a mortgage because of the math behind it.  But I do not want a mortgage in retirement so I'm going ahead with it.

Sunday, July 19, 2015

Sunday Update

It's almost 9 am here and the rest of the house is sleeping.  Granted everybody was up late last night as we had a BBQ last night.  We had 10 people over last night for a neighborhood BBQ and it was so much fun.

It seems like I don't have too much to say in the financial front anymore.  We are debt free and intend to remain that way.  We are investing money, to the tune if $2000 this month.  We are saving for upcoming expenses.  Anyway, its not all that exciting to read about so I decided that I'm just going to post about whatever.  If you only want to read about my finances, you are going to be bored going forward.

We planted sunflowers on a whim in out garden and we love them.  The little hand is my daughter's.  This is the first one that bloomed.  We want to harvest the seeds but I need to research how to protect them from the birds.  These look beautiful on the edge of the garden.

  This pic is from the middle of my garden.  It's right next to our old barn.  Y would like to tear this down but I love the way it looks.

Maybe I will post more pics this weekend.  Have a good week!

Saturday, July 11, 2015

Frugal Weekend

I don't think I wrote about it on my blog but Y had some health issues in May.  I think everything got cleared up but we were left with some medical bills, to the tune of $562.  We have almost exhausted our medical flex.  We only have $260 left in that so I will request reimbursement but still have the other portion.  Rather than pulling the money from savings or my commission check, I plan to cash flow it.

I bought just the necessary groceries yesterday.  Milk, bananas, watermelon, pickles and tortillas were purchased for $17.  Our garden is starting to produce veggies and our raspberry patch is doing beautifully.
I never add pictures so I hope this works.  These raspberries were planted this year that we got from a friend and they are going gangbusters.  We eat raspberries everyday.

Lil Punk says she has strep throat so I guess we are off to the clinic.  Fun stuff!!

Monday, July 6, 2015

Mid Year Financial Check Up

The other day Y and I had our mid year financial chat.  I don't have our list of financial goals right now so I'm going to summarize.

  • We are happy that we are debt free other than our mortgage a d plan to stay that way.
  • Savings accounts are over $10,000 and we want to have at least 10k for emergencies
  • One of our goals was to have $50,000 in our retail investment accounts.  We currently gave $22,000 approximately so we are going to focus on this one next.
  • A goal that wasn't on our list for 2015 that we are doing is maxing our my 401k and we plan to continue to do this.
  • We decided we need to have a game plan for when one of us needs a new car.  We're going to do an automatic transfer into a savings account for $200.  This won't get us completely where we need to be but it will be a start.  
  • We are happy with the way our other goals are coming along.
  • That was the extent of our conversation.  Short and sweet with 2 action plans:  car fund and retail investment account.

Wednesday, July 1, 2015

Alarming Comment

Lil Punk turns 6 later this month.  She commented to me today, "I wish I could be skinny like T and E at daycare."  My heart broke.  She is not overweight.  She is a solid little girl, very much like I was at that age, but not heavy.

Wtf?  Really?  At 5?  This is so sad to me.

I talked to her about how she is beautiful and perfect the way she is.  I told her that I was her size when I was little and I've grown up not to be heavy.

I don't think she's getting this from me but maybe?  I try to have my kids eat healthy snacks, lots of fruit and fresh veggies but I don't comment that we're eating like this because we are overweight. I made a conscious decision to change our snacking about 3-4 years ago and its become part of our daily life now.  Fruit snacks and other candy are a treat, not the norm.

I know little girls grow up quickly these days but its still sad for me.