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February Update:

March 6th, 2017 at 11:23 am

Retirement Update Balance as of 3/1: $128,841.71 (not including Spouse’s retirement funds)
CC Debt Balance as of 3/1: $2470.86 (all 0%)
Sinking Funds Balance as of 3/1: $2195.78
Daughter Savings: Balance as of 3/1 $213.67
Daughter 529: Balance as of 3/1 $549.65
Savings Accounts: Balance as of 3/1 $13,789
Health Savings Account 1 (invested) Balance as of 3/1 $1799.67
Health Savings Account Balance as of 3/1 2 $803.21
Cash Savings (FB Sales) Balance as of 3/1 $259.50
2017 Gifts Fund Balance as of 3/1 $1271
2018 Gifts Fund Balance as of 3/1 $37.01
Total Alt Income in February: $79.01


February 11th, 2017 at 05:08 pm

I was sick a week and half ago - lost OT, because I took 2 days off to recover. So my OT goal for the month will likely not be met. I am fine with that. OT is a luxury, not a necessity Smile

I am selling a few baby items this month & am gearing up to put together Groups of summer baby clothes to sell in lots. Hopefully that will bring a few bucks in.

My husband and I went to Atlantic City with some friends for Superbowl. 4 couples, 3 free rooms. We splurged on valet parking ($10) and gambled a little (with planned cash) and had some food. Spent about $200, which was the max amount we had budgeted. So that was a win. We had a blast!

Today, our one friend helped my husband load up and unload a bedroom set from some friends nearby. It was sitting in their basement and we needed a guest bedroom set. A queen bed frame & headboard, a night stand and a dresser and mirror/shelf top. $30 approximately spent on a truck rental and maybe another $20 on dinner for the friend who helped us move. Great deal for us! I hope to take pictures once its fully set up.

Late Posting Meal Plan

February 7th, 2017 at 12:27 pm

Saturday: Chili & cornbread
Sunday: Out of town (Atlantic City)
Monday: Make due from the fridge
Tuesday: Pasta & meatballs
Wednesday: Honey Balsamic Pork Chops
THursday: Shake N Bake Chicken

Lunches: prepped a bunch of egg salad and prepared grab & go portions of nuts, applesauce and cornbread muffins.

Breakfasts: rice chex and milk (for me), my daughter gets breakfast & lunch at daycare and my hubs sometimes packs and sometimes doesn't, using his fun money to eat out. He handles that himself though.

February Goals

February 1st, 2017 at 01:17 pm

1) OT Hours Goal: 54 hours in the month
2) Savings: $1046 (including House Savings, 529 and Kids Savings)
3) Debt repayment $100
4) Cashflow Rental Townhouse Mortgage Payment: $1009
5) Sell 5-10 Items on FB Sales Site
6) Meal Plan all 4 weeks
7) Limit lunches out to 4 days in the month
8) Do Alt Income tasks (Bing, mypoints and mycoke rewards)
9) Continue to track all personal & household spending (I don’t bother with DH’s personal spending – no need to know how much he spent on lunches, etc when its his fun money)
10) Keep within budget for Atlantic City Trip. Budget $200 for DH & I. We have a free room, are bringing drinks & food, have coupons for meals and are planning on only playing a few penny slots and enjoying time with our friends.
11) Professional Certification Tasks:
a. Attend Chapter Event
b. Complete 2-3 webinars
c. Sign up for recertification & start paperwork (once work pays)
12) RENTAL:Unless paid up by Day 11 after court date (where the renter agreed to all amounts owed and the judge said we have the right to evict), the PM company will fill Writ with courts for 24 eviction. That would be on Monday the 6th, so wish us luck
13) Set up tax appointment - I normally do our taxes, but with the rental, the rental income loss, etc, I am going to a professional for this year only
14) Start sale process on townhouse
15) Keep up calculations for utilizing OT to keep on track to max out 401k this year

Final January Update (I promise to streamline next month)

February 1st, 2017 at 12:58 pm

60.26 hours worked

No income from non-paying Renter
$1009 mortgage paid


Sewer: $137.77

FB Baby item sales $18

Cash EF: $170 added
Joint House Savings: $974.96 added
Daughter 529 $20 added
Daughter Kids Savings Acct: $10 added
*Not including funds that go into sinking fund savings accounts

January Savings Update

February 1st, 2017 at 12:46 pm

January Savings Amount:
Cash EF: $170 added
Joint House Savings: $974.96 added
-$25 cashflow from DH
-$250 from Childcare FSA reimbursement
-$191.64 from Childcare FSA reimbursement
-$300 from DH Pay

January Goals Update

February 1st, 2017 at 12:42 pm

JANUARY Financial Goals: Update
1) Pay $463.08 towards 0% Debt: ACTUAL PAID: $866.09
2) Sell 5-10 Items via FB sales site: 7 ITEMS SOLD - Made $18 in Alt income from FB sales
3) Work 60 hours of OT: ACTUAL WORKED: 60.26 Hours
4) Meal Plan each week: COMPLETED 3 OF THE 4 WEEKS WITH A PLAN (It’s a start)
5) Calculate what is needed to meet Professional Re-Certification
a. Make step by step plan: DONE
b. Start request for employer to pay for recertification: APPROVED, PENDING PAYMENT
c. Pay to join Local Chapter (not covered by employer) $30 fee annually: DONE
d. Sign up for 1st Chapter Event (Free with membership): DONE

Jan OT Goal Met

February 1st, 2017 at 12:33 pm

My OT goal for Jan was 60 hours and I just eeked in and met it at the end of the month! Yay for me.

Jan 1 to Jan 8 - 22 hours OT
Jan 9 to Jan 15 – 15.13 hours OT
Jan 16 to Jan 22 – 11.43 hours OT
Jan 23 to Jan 27 – 8.73 hours OT
Jan 28 to Jan 31 – 2.97 hours OT


Meal Plan for the Week

January 24th, 2017 at 10:34 am

Although its Tuesday, thought I'd put up my meal plan for the week.

Sunday: Chicken Patties with mozzerella, pasta & sauce
and peas

Monday: Baked Barbeque Chicken and corn

Tuesday: Meatball sandwiches with mozzerella

Wednesday: Baked Potato Bar

Thursday: Honey Balsamic Pork Chops and Rice

Friday: Steak and Blue Cheese Salad

Meal Planning & Recipes

January 19th, 2017 at 06:34 am

This week, my meal planning was non-existant, but we were working with a lot of freezer stuff & leftovers, so it works out.

Monday - We had leftovers
Tuesday - I made do as it was my husband's late night at work
Wednesday - Hubby made pork chops & fries
Tonight (Thurs) - I am going to dinner with a friend, so probably hubby is getting take out for our daughter & him.
Friday - We both have a happy hour with friends and my daughter is being watched by my parents.

The point of me saying this - is I am trying new recipes. The last week of meal planning, I tried a fabulous recipe for honey balsamic pork chops. SUPER yummy.

However, we are looking for new ideas. Asking anyone in the community to feel free to share ideas and/or recipes! Thanks in advance Big Grin

Placeholder for old 2015 and 2016 goals from sidebar

January 13th, 2017 at 12:11 pm

2015 Goals:
Contribute $8k to 401k
Company 401k Match Goal - $2770
Pay off CC TY $1087.11(Paid off Feb 6th)
Pay off CC FR $5762.60 (Paid off Mar 6th)
Pay off CC BA $9257.35
Pay off Car Loan $1595.93 (Paid off April)
Cash Only Gifts - Birthday AND Christmas
Spouse Paying off the last of the credit cards he came into the marriage with.
2016 GOALS:
1. Keep contributing 14% to 401k (plus 6% match)[increasing to 16% as of 3/18]
2. $2500 to HSA (PLUS $1500 Company Match). Already set up
3. $3333.33 to Childcare FSA (PLUS $1666.67 Company Contribution)
4. Cash only Birthdays/Holidays/Christmas (add $1294 to 2016 Gifts Fund)
5. Increase New Home Fund by $8000
6. Increase EFUND by $946.81
7. Increase Vacation fund by $274.86
8. Increase Nephew Savings by $500.05
9. Increase Medical Savings by $483.69
10. Increase Car Savings by $442.68

TOTAL GOAL: $27,715.42

Month Goals for January

January 1st, 2017 at 07:41 pm

Mix of personal, work & financial

1. Pack breakfast and lunch for work 3 of the 4 days per week we are in office. There are 2 holidays in January, so the Monthly Goal would be to pack 17 times this month.

2. Drink 48 oz of water every day. Its more than my annual goal, but I want to have a great start.

3. Exercise 3-4 times a week for a minimum of 30 days. My schedule is hectic, so incorporating this time will be a challenge. Once I start working it in regularly, I hope it will be easier.

4. Eat Healthier (nonspecific goal either than high protein, low fat, added dairy)

5. Pay $463.08 towards 0% debt

6. Work 60 hours of OT

7. Attempt to sell 5-10 Baby/Household Items

8. Meal Plan each week

9. Calculate what is needed to meet Professional Re-Certification. Make step by step plan. Start request for employer to pay for recertification. Make plan for if they refuse to pay.

2017 Goals

January 1st, 2017 at 07:21 pm

1. Get Renter Out
2. Sell Townhouse
3. Cash only gifts/holidays/Christmas. I include all birthdays, holidays, cards, Christmas, Thanksgiving groceries, my daughter's birthday party in this category, so it seems big. I need to add $1249 to this fund in 2017
4. Pay off small debt at 0% before it runs out in 2018 $3481.09. Part is medical expenses that I am hoping to just cashflow paying the card for instead of using funds from my HSA. But we will see.
5. Keep up OT to pay Rental Townhouse Mortgage so we don't have to utilize any further savings
6. Add to Emergency Fund by $5000. Stretch goal is $8000. This would be significantly dependent on goals 1 and 2.
7. No new debt
8. Continue FB sales of household and baby items.
9. Continue 16% of salary to 401k
10. Continue contributing to Childcare FSA for $1666.67 contribution from employer (Automatically set up already).

1. 30 Minutes of Activity 3-4 times a week. So for the year 156 days of a minimum of 30 minutes activity. The Stretch Goal would be 208 days of a minimum of 30 minutes of activity.

2. 5 days a week of hitting 48 oz of water per day. I am terrible with water. So I am setting the 5 of 7 days goal with a stretch goal of 7 of 7 days. (260 days of the year/stretch 365 days).

3. Eat healthier. I don't want to put a weight loss goal on it, but that essentially is my goal. To have more energy, stamina and to lose weight.

4. Mealplan each week.


1. To refocus myself in the position. I have been feeling burnt out and want to expand my experience in a few areas. I will not be sharing the specific steps
because its work specific.

2. Finish completing requirements for my career accreditation. Need to re-up at the end of the year.

Financial Changes in 2016

January 1st, 2017 at 08:30 am

Financial Changes in 2016

This was a big year for us. We bought a house (yay), put a large down payment down, put our townhouse out to rent, working with a property management company, moved, had medical issues, and got a lot of overtime in.

I was able to cash-flow major expenses such as the purchase of a lot of furnishings, a car repair, the movers and Christmas. Some furnishings were bought new, some bought used, but all clean, long term use items.

We funded slush funds that are not calculated in the amount of money change in 2016 as they are not savings or cash-flowed large purchases.

Cash-flowed Purchases Include
All of Christmas Expenses:
A dining room table plus 6 chairs
2 8 x 10 area rugs
2 kitchen stools
1 bathroom area rug
1 couch and 2 arm chairs
1 couch & loveseat set
Car Repair

So Financially,

I cash-flowed large purchases in the amount of $6139.72

We paid Expenses on the Rental Property to the tune of $4576 after Rental income.

We saved $12,531.99 towards the New Home Fund, which was then used in additional to the amount already saved to make the deposit/closing costs on the new home purchase

We saved additional amounts of $1503.82 in the Home Fund, $892.95 in the EFund, $1001.59 in the 2017 Gifts Fund, $389.46 in my Nephew's Savings account, $193.72 in my daughter's savings account and $472.92 in her 529 account. TOTAL SAVINGs INCREASE: $4454.46

I contributed $17,474.02 to my 401k, the company matched $6785.30.

My company also provided $1666.67 in my CHildcare FSA.

In Addition, we created Cash Savings:
Emergency Cash at home: $218
FB Baby Sales $199.50
House FB Sales $51

So our financial turnaround this year was definitely significant.