My husband has a small annuity as a pension

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?

This last week saw us clearing things out, unfortunately no major debt, but things

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.

myloan

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.

While our second mortgage isn’t a balloon one

It is at a lot higher interest rate than our first mortgage and there is less than $10,000 separating the two in balance. So by the time we get to the mortgages later this year I may move the second one up for two reasons:

1) The 3.9% difference in interest—I know DR says not to look at that, but on around $40,000 that is a lot of money to consider (roughly $300 per month)

2) Once the second is gone we can put the full amount against the first, where if we pay off the first before the second because it is the lower of the two we could only put part of that snowball money on the second because we would still have to come up with the money each year for the things escrow normally covers.

If I had a balloon looming I’d definitely add it into the snowball and kill it fast because while $6,000 doesn’t sound like much it could be huge in 2020—life happens.

THANK YOU FOR MOTIVATING ME !!!

I looked at all those Goals for the Weekend and so many were filing taxes.

I thought. OK. It’s going to be ugly, but I’m going to sit down RIGHT NOW and file our taxes.

Yeah. SO I SHOULD HAVE SUCKED IT UP AND DONE IT IN FEBRUARY.

The GREAT NEWS: We get $3065 back from the Feds and $684 back from the State.

The BAD NEWS: They’re not actually going to send us checks.

The GOOD NEWS: I imagine they’re going to confiscate it to pay our federal and state back taxes. But that means at the end of the day, we might only owe the Feds about $1200 and the state about $200.

THAT is a HUGE WIN for us. Can you imagine? Being almost debt free from the Feds and State after being unemployed for nearly a year??

I am THRILLED !!

Well, after 5 months of PT

for whiplash and a shoulder sprain/tendinitis, I finally finished up. I figured out that I spent 60 dollars weekly for this – or about 1200 total. It was needed, but now I have that money to put back towards my goals. The snowball suffered some, but we did not go into any more debt during that time.

That was on top of spending 900 last spring for PT for my knee. Worth it to be pain free, but I hate spending the money.