Another one bites the dust

So I’m happy to announce that I made my last payment on a card this morning. I had to do the math to make sure I was good but $858.51 was made early just because of the fact that I have 3 pay periods in June. That just leaves me my truck and house now. With only the truck left the plan is to pay it off at $1770 a month for 5 months. The reality is I can do $1400 a month and pay it off by December and give myself some breathing room to buy some Christmas gifts and do some nice things for the wife the summer/fall.

Every time I make an update on my everydollar app I just feel like I’m in control of my finances and even when unexpected things pop-up it’s not the end of the world now. The wife and I can have a quick talk about it and move on because we aren’t struggling to find the money to do stuff.

Have a good 4th of July everyone and keep working for your own Independence day.

Last Payment

The Bills

Revolving Debt: $0.00 (last update $3,132.46)

Vehicle: $8,156.91 (last update $8,713.51)

House: $183,647.59 (last update $184,383.47)

Total: $191,804.50 (last update $196,229.44)

Difference: $4,424.94

 

 

 

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My favorite month

So as luck would have it the month of June is great for a lot of reasons. First and foremost is that it’s my birth month. Second is the fact that there are 3 pay periods for me in the month. Lastly, I also got my bonus this month. So with the extra paycheck and the bonus I’m actually able to pay off another bill. When it’s all said and done I will have put $3132.46 since my last statement (15 May) towards one bill. I had to do my numbers to make sure I would have enough for food, gas, etc but this bill is done come 30 June.

So next month when I start I’ll have my truck and my house and that is it. All of my revolving credit will be at $0.00 balance. I will owe $8700 on my truck but with the snowball I’ll be putting $1800 a month on it for 5 months and it will be done and after that is the house. I plugged my numbers into the debt snowball spreadsheet that I use and I created a different spreadsheet specifically for the house so I could get my formulas as close as possible to what we were actually seeing with the way we put extra down towards principal. In a perfect world we would have a ton of money to put down at the beginning of the month and everything would be easy. Unfortunately, we each put $125 per paycheck throughout the month towards principal so even though the numbers for my spreadsheet are close it was just easier to do some computations and make up my own formulas and spreadsheet.

So the wife and I have been doing really good about planning all or most of our meals. At the beginning of June I went to a local butcher and they have a variety of meat packages for everything from family packages to grilling packages, etc. The wife and I got a variety package and a package for two that came with enough protein for her and I for the month. The really cool thing is if you spend over $200 you get another 10lbs of cut up chicken. So that is 3 whole birds, or 6 nights of dinner for her and I, already cut up that we can grill or throw in the dutch oven. The worst part about the meat is that everything comes wrapped in butcher paper so we have to unpack everything and put it in foodsaver bags. In the grand scheme of things it’s not bad at all and more importantly we have a well stocked freezer and we know where our next meal is coming from.

Since we know what meat we have now, our veggie shopping is a lot easier as well. We can do our menu for the week and do our veggie shopping on Friday/Saturday at the farmers market and pull what we need from the freezer at the same time. We do our breakfast and lunch food prep on Sunday together and after that we have some wine or a drink on the patio.

So around April 22, Ash started the whole30 diet. I supported her but I didn’t do it with her, I like my beer way too much. But a lot of what she was making was really tasty so I started making my meals more whole30/paleo friendly to support her. She stuck with it, which I’m extremely proud of her for doing, and she lost 11 or 12 pounds and 3 inches. So after her 30 days she did start drinking wine again in moderation but neither one of us has had a real craving for sweets or breads, etc. So I just started doing a regular paleo diet and joined a local crossfit gym. I go 3-4 times a week right now and I can see how it’s addictive to people but my gym is close to my job and not my house. So on days when I telework I don’t make it to the gym.