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One More Week

February 25th, 2012 at 07:44 am

February has been good financially. Will see how the next week goes. Credit card closes next Saturday, so have another week. I foresee spending $100 on gas and $100 on groceries. Nothing else is planned or on the horizon. Will see...

I added $1000 to the credit card payment, since I have been hoarding cash anyway. Might as well pay off our big purchases this month. I decided to do that rather than max out our ROTHs. I might be able to max out mid-month (next paycheck). Another refi date has passed, so time to badger them again. This couldn't possibly take longer than our longest refi ever? Could it? 4 months is our record, but that was some *crazy* financing. All they asked me for was a couple of pay stubs and my employer's info to verify employment. & they did an appraisal 2 months ago. I couldn't tell you what on earth takes 3+ months. We refied only three years ago and it took 2-3 weeks. I know mortgage broker guy is pissy we didn't go with him again. It comes down to the rate. Waiting 3-4 months is fine for the better rate. As annoying as it is, it isn't *that* annoying. It hasn't taken any more effort on my part. I've been a little more proactive, but they also didn't really ask me for much of anything, so I think it evens out on how much it has put me out. So far...

Anyway, the Visa closed for the month and so I carded the DMV ($85 tags on older car) and auto insurance on van - both due in March. Last time I carded the insurance I had to pay it that day. Since it is due in March I was waiting for next credit card month. Today I put the pay date as 3/1, on a whim, and it took that date. So I think they updated their system to take future payments. Woohoo! I would have set it to pay, ages ago, if I realized.

All the March bills are paid.

So, between now and April 15th I have to max out our IRAs, pay the IRS about $500, and pay the property taxes ($2000). I will probably just pay the IRS when Grandma pays me to do her taxes. Last year she gave me $300. That will mostly cover it. IRAs will be maxed with April 1 paycheck, but I can cash flow it sooner. Property taxes are already saved for.

It will be an ugly/spendy 30 days or so with all this stuff, but being prepared means that it means very little in the grand scheme of things.

Will see how March goes. BUT, since dh and I did not have surgery this January I am actually on track for some record overtime this year. Last 2 years have been pretty abysmal with "life in the way" and many years prior to that I am sure. I didn't exactly work a ton of hours with toddlers and babies, for one. I don't think I earned *any* overtime last January with my surgery, for one. So means I have already earned about as much OT this year as I did last year?

OF course, that said, it will go fast. When/if I get the check mid-April. Will replenish refinance costs, and will cover our medical deductible for 2013. If we have anything left over, I will probably apply the rest towards maxing out our IRAs on a calendar year basis. If this refinance ever finalizes I have some additional principal payments planned (not a lot, but to work we need to pay more this year - so we can pay less later). & on and on and on it goes. IT would also be nice to earmark $1k-$2k "some day" to a nice vacation. For example, to visit dh's family in Florida without having MIL foot the bill. But, I suppose it becomes obvious when managing a big windfall that is the least of our priorities. It's certainly not going to happen this year. At this rate, I'd just be happy if it didn't all go to medical bills.

So here is to March, health and some more overtime!

ETA: Ugh. Just realized I should pay property taxes next week and be done with it. I don't want my CU, or any bank, touching my property taxes with a ten foot pole. Fretted about it a bit and decided to pay online like I did last time (skipped the extremely unreliable local postal service) and will send receipt to loan officer with a request for a new ETA on closing date. The last ETA I had has just passed. I can inform her at that point that my property taxes are paid so don't bother with them, thanks. {Banks don't have the best track record with caring about paying your property taxes on time - certainly not as much as *I* care and can ensure myself. I just realized we are getting close to property tax due date and they will likely ask for the tax payment at closing}.

I guess that means property taxes on 3/1 pay day and ROTH/IRS next month (April 1). Maybe I will reduce that $1000 off the credit card again and push it to next month. Then cash flow is just all kind of the same in the end. I'll just pay the taxes early and the rest will still be on the early side if I pay 4/1.

1 Responses to “One More Week”

  1. Looking Forward Says:

    I wonder what the hold up is? Lots of refis maybe?
    Our refi took 3 weeks when we did it 18 months ago.

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