Wednesday, May 4, 2016

Debt - again

OK, I am seriously loving this iPad keyboard.  Sorry I keep going on and on about it, but it really changes things dramatically for me.  I don't like always sitting in the office away from everyone and anyway I work there more than do the personal stuff.

It has been a while since I talked about debt.  Well, we are in debt again.

We really tried to save for that looming tax bill, but Murphy kept visiting and well, we cashed flowed those expenses in leiu of saving for the taxes.

As a reminder, this is the bill that reflects the taxes owed for early withdrawal of 401(k).  When Darrell left his old job, we could not afford to repay the loan, so we had to pay taxes on it.  It was a big hit, but we are putting everything we can on it to get gone as quickly as possible.

Our income reduces by $800 every month after this month, so that is a hit.  We are prepared for it, but it will affect how quickly this will get paid off.  Our expectations are complete payoff by the end of June even with this, but I will have to help with this with my business money to make it work.

We are just thankful that Darrell has a job, is paid well and for now seems secure.  More oil and gas layoffs are happening - 2 of my customers, as well as LOTS of co-workers of Darrell's.  We keep fingers, legs and eyes crossed all the time.

After the debt is gone, we are pretty serious about the emergency fund and college.  No rest for the weary!

As much as I want to pay extra on the house, it will have to wait until we get these other things settled.   Our PMI is dropping off in a month or two.  We received the notice!  YEAH!!!  

Trudging along here.  


Tuesday, May 3, 2016

The little things

Sometimes, it is the little things that make life so worth it!

Another blow today.  My very best friend, John, is moving away as well.  Maybe not for a year or so, but definitely moving.

Sigh.  I hate this place even more now, but it is where the money is, so I am here to stay.

For the little things:

1. Cleaning wipes.  They make life so much easier.  In a couple of seconds, my toilet is spic and span, so is the sink and countertops.  I know they can get a little expensive and are wasteful, but during this time in my life, they are the best thing since sliced bread.

2. iPad Keyboard.  I am not sure why I waited so long, but as I sit here and type this post on it, I wish I had done so before!  The only reason I tried it was because my old cover literally fell apart I had used it so long.  This is the BOMB.  I Will never have a pad without a key board again.

3. Having money.  This is a big one really, but we had enough to get our daughter like bras, a swimsuit, shorts, shirts, undies.  I really love that we save up for this!

4. Pillows.  I love pillows.  I keep one on my lap while I sit in my chair.  I have one for my head and one between my legs while I sleep.  I keep one behind my back in my office chair.  I love pillows.  I never take them for granted either.  Without them, I feel extremely uncomfortable while sitting, cannot sleep at night and get a back ache while working.  It is those 4 pillows that make my life sunny.

So, there you go.

4 things to offset the worrisome ones.

Nothing but blue skies!

Monday, May 2, 2016

A Little Anxious

Three things have come up in the past 24 hours that are throwing a wrench into my thoughts and plans.  My heart is pounding a bit and I feel very anxious.

My body almost knows when it is going to happen too!  Last night, I was up all night, I felt like something was coming, etc.

Well, first thing and I am not going into too much detail - our daughter came to us last night telling us she is depressed and anxious about this friend.  There is a LOT of drama going on between them and well, it is leaving our daughter exhausted.  We are taking a break from homeschooling and getting some counseling for her - yes, it is severe enough that she needs counseling - more on how to deal with this friend and not let it consume her life. I am letting her get some sleep today, but tomorrow, we will be exercising, working through some self-preservation exercises (for lack of better words) and some self-care.

2nd thing - My sister came by and told me she is moving 6 hours away.  We are not extremely close, but there was comfort knowing she was close by, you know - that emergency back up person.  We will have no family in town when she moves.  Not that it bothered me before - we are very independent, but I don't know.  Maybe my getting older and realizing family is important thing going on. 

3rd Thing - The local community college is going to be offering Bachelor of Arts and Sciences Degrees from a Major University, but on the community college campus.  OMG!   I never thought I would be considering a degree again, but here it is.  It is definitely driving food for thought. 

Needless to say, this all has me wound up a bit.  I did manage to get some work done today and all the household things (I did them first - YEAH ME!)  I think I will just hang and twiddle my thumbs until Darrell gets home.