Last I ruminated, I wasn't so sure what to do with mortgage snowflakes. For December I did not make a mortgage payment, so just abandoned snowflakes for the month.
BUT, we got a nice cash gift for Christmas and I was able to fund dh's ROTH with it. I was already leaning towards continuing mortgage snowflakes this year anyway. (IT just works the best psychologically, for us). I was just tempering that feeling with feeling like I should put a screech on all mortgage snowflakes until we got our ROTHs back in order. But as of right now the "screech" seems pretty unnecessary. (My ROTH will be funded with Feb. 1 paycheck, assuming nothing else BREAKS. & I do have until April 15th).
So... Snowflakes it is!
I didn't make the December mortgage payment - will pay it today. (Didn't need the interest deduction last year, so pushed it forward).
These are my December snowflakes (paid to mortgage in January):
$20 carpool saving**
$15 internet bill promo savings**
January snowflakes:
$20 carpool saving**
$15 internet bill promo savings**
$25 gas/grocery credit card reward (I just redeemed)
$180 Visa credit card reward^^
**I don't expect these savings to last forever, so am just making an expense "placeholder" with mortgage snowflakes.
^^On the last one, it's a 1% cash back on our CU visa that we receive every January. The amount is only so large this year because they had a 2% promo for a time. (Usually this reward is more like $60).
OF course, we just shifted those rewards from one card to the other. All this money would have gone to our Fidelity AmEx otherwise - those rewards go to my Fidelity ROTH. This just means the mortgage gets a boost because our credit union ran a nice promo. (All else being equal, Visa is accepted more places and I'd rather give the business to my credit union than a big bank).
Snowflakes 2014: $275
Unfortunately, not expecting to keep up THAT kind of momentum. But it's definitely a nice start to 2014.
First 2014 Snowflakes
January 1st, 2014 at 03:51 pm
January 1st, 2014 at 05:36 pm 1388597770
Good job on the snowflakes. I hope your year is very flakey. :P
January 1st, 2014 at 05:50 pm 1388598649
If that is how it came across, then I am glad you clarified. I certainly do not advocate paying late penalties for *anything*.
I hope my year is flakey too!
January 1st, 2014 at 06:52 pm 1388602330
January 1st, 2014 at 10:27 pm 1388615252