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Home > Archive: September, 2014

Archive for September, 2014

Rain. HELOC News. Spending.

September 26th, 2014 at 09:46 pm

We had a little rain early Thursday morning and again this evening. The weather has been very mild for weeks and the rain didn't change that - still mild. Plus the rain makes everything smell so nice and fresh and we can certainly use the moisture.

Our loan officer from the CU left me a voicemail that she was completing the documents today. DH and I will sign early next week and the money will be available by next Friday.
DH has contacted several roofing contractors. Some have come to the house already, but we don't have any written estmates yet. We want to get moving on the roof ASAP.

Re: Spending.

DH's side work profits were used to get the truck's water pump replaced (finally), two new tires and a few other odds & ends replaced (wipers, filters, etc.)
$1451 in auto parts and repair

It is the start of a new 4H year.
Yearly membership dues and two pre-purchase tickets for the large fundraising dinner came to $71.

DD is in the Honor band at school this year. Band camp weekend for $135.

I bought a Groupon for the Pilates studio I used last year for $89/eight classes.

I went kayaking last weekend with a girlfriend. $55 for the all day, 11 mile trip down the river. It was beautiful and relaxing, but....

My back was so tight after kayaking that the following day I had a spasm and threw my lower back "out". Had to see a chiropractor yesterday to pop everything back in place. (Primarily the left side of my pelvis.) I haven't used a chiropractor in over 13 years, but I really needed help.
$45 and worth every penny!

Everything (including $900 to debt payoff!) was paid using side money. WooHoo! Keep it coming! Big Grin

Special Focus Debt - PAID OFF!

September 24th, 2014 at 02:40 pm

DH and I have both been blessed by some side work this past week. I have a dog that I am pet sitting at our home for two weeks and DH installed a furnace and new duct work for an acquaintance last weekend.

I decided to use the cash I made and some of what DH made to PAYOFF the "Special Focus" credit card.

$876 - Previous Balance
$0 - Current Balance

Yippee! Big Grin

Applied for a HELOC

September 18th, 2014 at 04:56 pm

DH and I discussed the need to get a new roof on the house this year. And the need to not drain the EF completely. The solution that made the most sense was a HELOC (not that we are excited to take on more debt!). Once we decided to go that route we visited our local credit union to get some information. It felt really good to have DH participating in the process and making an educated financial move.

Because our loan to value ratio is very favorable our CU offers a zero cost HELOC. We won't be paying for an appraisal or any document, notary or closing fees.

As far as our home value I found this very interesting:
"We will not need to order an appraisal for this mortgage and will utilize the automated value of $421,400.00."

(That's quite a value - Wow! Wonder how that gets calculated? Zillow has us valued at $391,700.)

I filled out the application online from home. Then a few days later received an email from our loan officer requesting documents - W2s, tax returns, mortgage note, proof of insurance, etc. I submitted all that by fax.
Now we are waiting...

DD's Honey Harvest

September 6th, 2014 at 04:34 pm

As I've previously posted we have a bee hive in our backyard. This is a 4H project that our DD participates in.

This year her hive produced enough excess honey she could harvest it.

The whole process is so fascinating. It is amazing to learn how bees "operate", the proper way to work with bees and the steps to harvest honey.

After you pull out frames of capped honey from the hive boxes you cut the wax caps off with a Hot Knife (electric knife that gets hot and cuts/melts the wax). Then you load the extractor.

This is the Extractor in our kitchen (you can see some of the wax caps on the top of the strainer).

The local beekeeping club allows 4H members to borrow the club owned electric extractor at no charge.
It works by flinging the honey out with centrifugal force.

Frames loaded inside the extractor.

Frames spinning.

DD filled jars after letting the honey drain from the extractor into the bucket for about 30 hours.

Almost two gallons of honey collected.

Most of these jars will be given as gifts.
A few might be sold - DD's project leader has customers willing to buy local honey for $20/pint.

Special Focus CC Paydown

September 6th, 2014 at 03:54 pm

At the end of last month I received a $60 check from one of the companies I do a monthly inventory survey for. This company pays me quarterly - $20/month.

$976 Previous Balance
- $60 Snowflake Payment
- $40 Regular Payment

$876 Current Balance


September 1st, 2014 at 04:37 pm

Been busy here. We were out every weekend in August.
DD theater performances.
Close friends had their twin's first birthday.
Kids visiting grandparents.
Our nephew's first birthday.
A baby shower for my BFF.

Lots of traveling so we spent way more than usual in gas.

(Beautiful Quicken graph for an ugly total!)

Did a little better in other spending areas - food for one since we didn't have to feed ourselves several weekends.

Gift Giving:
We didn't buy anything for the twins. They have so much family that there was a huge pile of gifts. Our friends have a small house too, so I don't know where all that is going to go!

Our nephew got a box of fruit & veggie pouches from Costco. $12.

For my BFF baby shower I bought two clearance items. A cute outfit for $3.99 and a plush blanket for $5.99. I also bought her firstborn a wooden puzzle (her birthday is next week) for $4.

While shopping I found a very cute long sleeve Roxy shirt for DD. $19. I stashed it for Christmas.

DH is still having short hours at work, which leads to low paychecks. It's tough because we can't pay extra to anything and we still need to get the roof taken care of and I do not want to drain the EF to $0.
Honestly, I cannot remember the last time he had a "normal" 40 hour paycheck. It has been about 18 months since he had a full paycheck AND commission (sometimes netted him as much as $500/week extra).

And it seems it is causing him some depression. Even though it isn't his fault, he is taking it personally (like he can't provide for the family).
I have suggested that now might be the right time to try finding something new or maybe a part time job. I have gotten a lukewarm response to that, so we'll see....