There are several ways he can have the money dispersed. He can choose to get xxxx amount for his lifetime. I would get nothing if I outlived him. He can chose to draw about 90.00 less and I would be able to draw the same amount if I outlived him. For about 45$ less than the highest amount I could get 1/2 of the amount he got if I outlived him. What are your thoughts?
If you are saving for community college and technical school is a 529 worth it ? The details only saving for 3 years and about $4000. Is it worth the risk to use a 529 versus a saving account ?
As those of you who follow my Princess Plan know I am currently concentrating on doing one small section/organizational thing at a time in our nearly 20 x 20 home office/craft room combo. (part 5 just put up at the link below if you are interested in today’s post).
Well all that cleaning is resulting in a whole lot of stuff needing to leave the property permanently. Monday-Thursday I cleaned and sorted like crazy and made huge headway. Each night the guys would come home to find the upper landing littered with boxes and bags that needed to go elsewhere.
The big haul off started on Friday and continued through to today.
Friday saw the removal of all things recyclable. Saturday we went to the dump. Sunday the truck did double duty with hauling feed home and then being loaded for Monday’s run to the local charity donation site. I did get ds’ $63 back from the feed store from where they had double charged him for feed a couple of weeks ago.
Add into it the general pay day errands and I felt like singing “On the Road Again” by the time I got back from Okmulgee today.
Now that all that stuff is gone (three 1 ton pick-up loads) I can better see where to work next and so can the guys.
Is everyone sitting down? Dh has decided that all the old electronics, computers, scanners and such that I’ve been complaining about for years are indeed a huge waste of space and a tripping hazard. HE suggested we recycle it all. I’m going to hold him to it and hopefully another truck load of stuff will leave this next week. That will empty out most of what is left in this room and in the walk in closet. I am so excited! Guaranteed payday loans for bad credit www.NowGuaranteed.com and we managed to stay under budget on groceries all last month so that was wonderful, as well as cutting down on fuel usage, at least until we hauled everything off this last weekend.
Dh started checking the truck and trailer out to see if they will be road worthy in a month or so for some short weekend getaways. Tires were in far better shape than he thought. LOTS of tread left on both—That’s over $2,000 we won’t have to lay out soon thankfully.
Although the truck does need an alignment and he wants the transmission checked along with the belts and hoses before we travel. This big diesel truck is beyond his capabilities on doing a lot of stuff on it so once we get the first social security check (DUE WEDNESDAY—I’M SO EXCITED) the truck will go in for its 190,000 mile check-up.
He checked the lights on the trailer and of course the dadburn field mice have messed up the right turn signal and brake lights AGAIN! This is despite all the mousing critters we have and the boxes of poison and traps we keep set. Why do mice like wiring so much? Luckily he knows how to do the repair because to haul it to the shop is a long drive without proper turn signals and brake lights, plus they charge $109 per hour to work on it. So repairing the lights is on his to do list now.
Ds got in a small amount of overtime on Friday and that made him happy since he is paying extra on his “mortgage” aka: Sallie Mae and is finally starting to see the balance go down fairly rapidly.
On our own snowball we are still limping along having managed to cover our usual January shortfall this year followed by several minor extra expenses like Jellybean’s tail in February. We had hoped to pay off a bill this month, but unless the truck work is cheaper than I think it is going to be it’s not happening. Maybe in March, we’re getting close to another one being gone and I can’t bear that I can’t kill it all in one whack like I had originally planned. But life happens.
At our weekly family meeting we decided because of the plans we have for this spring and summer we will limit our gardening to some large flower pots at the first of the season while we re-vamp the bird pens big time and then once the birds are moved permanently out of the garden do a major build up of that area before planting late summer and fall crops in it. That was a major decision and one I had to really compromise on. I wanted the full fledged garden, but had to be realistic about our limited time and capabilities right now. It will be worth it in the long run.
I should end up with both the bird pens and the garden area I want in the long run. If being on DR has taught me anything it is good things come to those who wait.
I actually have a re-purpose item for a change.
If I’m pressed for time, I grab one of the KFC to-go-cups….. The plastic bottom is separated into 2 so you can easily plant different seeds in each half PLUS it has a handy dandy dome so you have a mini greenhouse all raring to go.
I’ve been saving mine and will use them – just have to figure out WHAT to put in them.
It has been a while since I’ve been able to post. Computer issues and life stuff.
Update on me. We finally paid Ds the last of the promised money for college, so we are officially in baby step 6 right now.
Ds got married last month, the wedding was simple and beautiful. Traveling to TN from. NH really bit into our sinking funds. So I’ve been trying to build that back up. We will do the trip again next spring for his graduation. Needless to say, that means we are not really going “gazelle” with the mortgage at this point. We want to get our sinking funds built up enough to cover a new roof and a used replacement vehicle should the need arise. Once we have those built up we will snowball what we are putting into savings towards the mortgage. For now we just have $200 a month going to principal. $300 a month going into savings for the sinking funds and roof/car.
It is good to be back. Hoping to post more often.
but I’m wondering as to why you don’t feel the need to throw that money at building up a bigger emergency fund? You have a family and you live in CA. Contrary to what Dave teaches, $1000 really isn’t adequate for you, realistically. I understand you have a financial background, and I also understand that you don’t want to carry this debt, but to be honest, for a long time, I’ve wondered why you haven’t concentrated on building your emergency fund to something more substantial along the line of $3000 (or more to be honest) before you start aggressively attacking those bills? I’m not trying to be confrontive here, so if I sound that way, I do apologize, it’s not my intent. I just have felt with all the uncertainty, and the fact that your husband’s job situation has been rather precarious, and you do have a number of children, and last of all, you’re renting and things can always change there, why don’t you pause on the aggressive bill repayment and build up a lot more security for your family?