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A Quick Update

March 25th, 2009 at 12:12 pm

**Filled up the van for $30 yesterday. Woohoo. (I hadn't gotten gas in a while - but I still remember the one time it cost $75 to fill it up). Dh was unimpressed because I guess prices have been lower recently. I haven't a clue.

**Boy does BM love his karate class. I left early yesterday to watch. We are going to a festival Saturday. I still manage to find some life balance even when work is crazy.

Reminds me, parent/teacher conference is Thursday. IT will be interesting.

**Weather is gorgeous here. We have used the heat very sparingly in the last 30 days, but I think officially it will be off for the rest of the year.

**I barely got a bill for the HBO and dh is already dropping it. His show is over. (We dropped long distance on land line, and call waiting, to justify it). Well, that was shorter than I thought (he says it's been 10 weeks; feels like 2). Anyway, I am strongly considering maxing out one ROTH with the $20 monthly savings & with the stimulus, *if* it arrives in my paycheck. I will *up* my contributions to $416/month, indefinitely. It puts our current retirement contribution rate to 16.25%. Why I am not so eager on the second ROTH until our emergency/cash savings is back up to snuff. (I already have most our efund in our ROTHs anyway - how I maxed us both for 2007 - I am not putting any more cash in ROTHS - we need usable cash for more near term expenses).

Anyway, I started the year with $333/month to ROTH (up from $100 last year). Mostly doable with house refi. We will get this up to $415 with phone cost savings and stimulus. I'd been doing $350/month with gas cost savings of new preschool.

I have been depositing 100% of it into MY Roth, simply because T Rowe lets you do auto deposits for prior year (Vanguard does not). After April, when 2008 contributions are no longer allowed - I will probably deposit 100% into dh's ROTH. Since I have a retirement plan through my work, I prefer to bulk up dh's ROTH overall.

**EBAY challenge - I'd say we officially brought in closer to $360 this year. So we are averaging $120/month profit. Not bad. I don't have any of the details. Dh keeps track of all that (& is doing all the work). I just have all the deposits in my checking account. Big Grin

I think the biggest annoyance is crazy people who ask way too much or are insulted by "low ball" offers. Hey, for every one person who flips out, 9 people will sell at that price. People are just funny. Dh has really offneded a few (clueless) people, apparently. Dh's best deals are people who live out in the boonies though. He's gotten some steals, and doesn't hurt his car gets about 40mpg, freeway. He can offer a really low price, drive out, pick it up, and sell in the city for quite a profit.

**Today is just one point in time, but our net worth has started to move forward again. It's been pretty stagnant for a solid year. I'm not *too* excited about the whole thing (not expecting it to last or anything), but it will be nice while it does last. Our net worth has hovered around $200k, for what feels like forever. We've been putting far more away the last couple of years, but the markets have slid, of course. So it feels like we have been treading a little too long.

**We sealed up a leak in our budget. We did discuss eating out a little more and more babysitting, to for the last stretch of tax season. Not like every December I say, "Things will be crazy - let's splurge my entire overtime paycheck." But about this time of year we get pretty tired and something has to give. We decided taking a small percentage of my bonus for some breathing room, wasn't the worst thing. It's the last month in a 4-month stretch.

However, with tee ball and everything adding more hecticness to the schedule, we have been eating out way too much. I told dh the other day we really should not spend ANY more money this month, but for groceries and gas. Though I was okay with the daycare thing as discussed. As far as eating out I told him I was happy with Ramen noodles on busy days. Frozen pizza, beanies & weanies, whatever. HE is a little more particular, but I suggested he go out and treat himself to a nice meal, and the kids and I would be JUST fine. THat's the thing. Eating out, one of us, once in a while, isn't really a biggie. I eat out on average once a week for lunch. BUT ALL OF US Eating out is suddenly like $20-$30 as opposed to $5k in frozen dinners.

So, I think it was a good thing. I know dh is tired of cooking every night and I am fine with that. But he took it to heart, and whipped up something quick last night. I will probably come home earlier and try to cook something next week on tee ball or karate night. Will see... I think we will save some considerable cash through the end of the month, stopping that money leak dead in its tracks. Phew.

When you are not used to eating out much at all? Geez louise does it add up fast!

I really don't mind if dh took a bit of a break though. We don't have to have a home cooked meal every night. IT's his thing though. His job is to keep costs down, so he doesn't have to work, and therefore he really takes it to heart when I bring it up. I didn't mean he shoulk cook dinner. But I am too busy to really think very far ahead. I will try to remember to cook dinner next Tuesday night and give him a break, for sure.

2 Responses to “A Quick Update”

  1. frugaltexan75 Says:

    Way to go on maxing out your Roth's. I can only dream about ever being able to do that. Big Grin

  2. boomeyers Says:

    Pull out that crockpot and dinner can cook itself! Smile

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